Vehicle insurance premiums and the occurrence of hook, the owners are not familiar with the rules. Yesterday, reporters on the premium discount to an insurance company to do consulting.

Owners insurance auto insurance is divided into compulsory insurance and commercial insurance. Cross strong insurance basic premium 6 the following car the annual amount of 950 yuan, according to the compulsory measures, the last year there was no liability for traffic accident, or has no responsibility for the accident car owners, will be able to enjoy the preferential rates downward float of 10%. Two consecutive years without traffic accidents can downward float of 20%, for three consecutive years and three years without traffic accidents can enjoy preferential maximum amplitude of 30% downward float. At the same time, many serious traffic accident occurs and the owners of the renewal rates will rise, the maximum rate of 30%.

Commercial insurance has the same preferential policies, and if within one year or one to two times, then the premium will no longer offer, if there is three to four times, the premium will rise 10% in the original basis. If the loss is more than five times, the insurance company will no longer be renewal.

   This account is what is it?

Also by Ms. Wu as an example. A few days ago, the underbody crashed her car, called the insurance company to the 4S shop for repair damage. Repair personnel told Ms. Wu in the loss, 150 yuan is the guard plate replacement cost. When Ms Wu has three years of no escape from danger, repair personnel advised Ms. Wu to cancel the report, you get 150 yuan to repair. Because of the repair expenses and premium discounts than, it is a more cost-effective.

    It is reported, Ms. Wu three years not to be or get out of danger, her cross strong insurance and commercial insurance is preferential 30%, the base premium 950+3230=4180 yuan, 2926 yuan after discount. If the independent accident she reported to the insurance, she will not be able to enjoy the commercial insurance 30% discount (because they do not involve cross strong insurance, so the insurance to pay strong can still implement preferential). That is to say the commercial insurance will increase from 2261 yuan to 3230 yuan. During this period, the gap of nearly 1000 yuan. If Ms. Wu did not take insurance claims, until next year, nearly 1000 yuan premium, the removal of 150 yuan, 800 yuan is cheap.

The insurance company staff told reporters, with Ms. Wu paid premium calculation, if is unilateral liability 800 yuan, both the accident responsibility 1000 yuan of the following their repair cheaper, more than this limit, submitted to the insurance company more money.

　　Small hanging rub can be solved

An insurance company staff said, the private car to obtain larger premium discounts, may choose to give up the accident of small claims, take self-study or save mode. Because of the impact of premium floating just claim number, reduce the number of times you can reduce the premium. Take up rub, scratch is common, ordinary vehicles a paint polishing cost about one hundred or two hundred yuan, if the owner claims report, a year more than 2 times, the next year the premium may be integral to pay hundreds of yuan, is not self repair. Also can not repair, met a big accident repair.