How to calculate the premium of compulsory traffic insurance?
Compulsory traffic insurance (compulsory traffic accident liability insurance for motor vehicles) is compulsory insurance stipulated in our country's laws, and all motor vehicle owners must purchase it. The calculation of premiums for compulsory traffic insurance involves many factors, including vehicle type, nature of use, number of seats, etc. This article will introduce in detail the calculation method of compulsory traffic insurance premiums, and attach a structured data table to help you better understand.
1. Basic composition of compulsory traffic insurance premiums
The premium of compulsory traffic insurance mainly consists of two parts: basic premium and floating rate. The basic premium is determined based on the vehicle type and nature of use, while the floating rate is related to the vehicle's historical accident record.
| vehicle type | Nature of use | Basic premium (yuan) |
|---|---|---|
| Family car | Below 6 seats | 950 |
| Family car | 6 seats and above | 1100 |
| Enterprise non-commercial buses | Below 6 seats | 1000 |
| Enterprise non-commercial buses | 6 seats and above | 1130 |
| Business bus | Below 6 seats | 1800 |
| Business bus | 6 seats and above | 2360 |
2. Floating rates of compulsory traffic insurance
The floating rate of compulsory traffic insurance is adjusted based on the historical accident record of the vehicle. The specific floating ratio is as follows:
| Disaster situation | sliding scale |
|---|---|
| No accidents for 3 consecutive years | -30% |
| No accidents for 2 consecutive years | -20% |
| No accidents last year | -10% |
| 1 accident last year | 0% |
| 2 accidents last year | +10% |
| Three accidents last year | +20% |
| 4 or more accidents in the past year | +30% |
3. Calculation examples of compulsory traffic insurance premiums
Take a car with less than 6 seats for family use as an example. Assuming that it has no accident record for three consecutive years, its compulsory traffic insurance premium is calculated as follows:
Basic premium: 950 yuan
Floating rate: -30% (i.e. 950 × 0.3 = 285 yuan)
Final premium: 950 - 285 = 665 yuan
4. Other influencing factors of compulsory traffic insurance premiums
In addition to vehicle type, nature of use and accident history, compulsory traffic insurance premiums may also be affected by the following factors:
1.Regional differences: Compulsory traffic insurance premiums may differ in different regions, especially in areas with higher traffic accident rates, where premiums may go up.
2.Change of vehicle use: If the use nature of the vehicle changes (such as switching from non-business to business), the premium will be recalculated based on the new use nature.
3.New car purchase price: Although the premium of compulsory traffic insurance has nothing to do with the vehicle price, the premium in some areas may be fine-tuned with reference to the vehicle price.
5. How to save compulsory traffic insurance premiums
1.safe driving: Keep a good driving record, avoid accidents, and enjoy premium discounts.
2.Timely renewal of insurance: Renewing insurance in advance can avoid rising premiums due to withdrawal from insurance.
3.Choose the right insurance company: Different insurance companies may have different preferential policies and service quality, so it is recommended to compare with multiple parties.
6. Summary
The calculation of premiums for compulsory traffic insurance involves many factors such as vehicle type, nature of use, and accident history. Car owners can reduce premiums by driving safely and renewing their insurance in a timely manner. I hope the structured data and detailed explanations in this article can help you better understand how compulsory traffic insurance premiums are calculated.
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