In the second year of buying a car with a loan, you can go to the 4s shop to renew the insurance premium.

Influencing factors of vehicle renewal:

First of all, the compulsory insurance price will change in the second year. If there is no road traffic accident in the first year, the price of compulsory insurance will drop 10%.

In the first year, if there is a road traffic accident that does not involve death, compulsory insurance will not go up;

In case of two or more road traffic accidents in the first year, the compulsory insurance will rise10%;

If there is a road traffic fatality accident in the first year, the compulsory insurance will go up by 30%.

Secondly, the commercial insurance in the second year will also change. Most insurance companies will briefly introduce the floating formula of commercial insurance in the insurance clauses. Under normal circumstances, the price of commercial insurance in the second year will mainly fluctuate according to the accident record of the previous year. In addition, the driver's driving skills, whether to specify the driver and whether to specify the driving area will also be considered.

Second, how much is the loan to buy car insurance?

When buying a car, insurance is related to the price of the new car, the type of insurance purchased and the insurance discount. Generally speaking, the more expensive the car, the higher the insurance. First of all, compulsory insurance and vehicle and vessel use tax are compulsory. Both are generally around 1200. Take an ordinary car as an example. Followed by commercial insurance. Here are only five types of insurance: third party liability insurance, car damage insurance, burglary insurance, vehicle personnel liability insurance and deductible insurance. Among them, car damage insurance is related to car price. The higher the car price, the higher the car damage insurance. Third-party liability insurance is related to the amount insured. The higher the insured amount, the higher the price of third party liability insurance. Generally speaking, car damage insurance is your own car, and third-party liability insurance is someone else's car. Both are very important insurances, and they are also the most expensive. No-loss insurance is related to the price of other commercial insurance. Finally, the insurance discount. There is no discount for compulsory insurance in the first year, and commercial insurance in the market is generally 15% discount in the first year.

Third, how much is the insurance premium for buying a car in a 4s shop?

The first year of 1. Block, about 6,000 yuan of automobile commercial insurance fully covers third-party liability insurance, glass insurance, body insurance and seat insurance, which costs more than 3,000 yuan, so compulsory insurance and commercial insurance cost more than 4,000 yuan. 2. The purchase tax was 5% in 2009 and 7.5% this year. The purchase tax for next year is not clear. Taking 60,000 yuan as the purchase price, the algorithm of this year's purchase tax is 6/1.170.075 = 3,846 yuan. 3. Buy a car, get a license, buy a compulsory insurance, and buy a purchase tax to get a license. If it goes well, it can be finished in one day!