Automobile insurance second years of foreign exchange to shout

Citizens Mr. Ren car at the age of 3 years, has never had an accident. "A year, my car hit only once, I did not find the insurance company." Mr. Ren said, because he knew from some media in the introduction, the second year can add, enjoy the preferential treatment and a year of accident, if there is accident records, cannot enjoy preferential. "I figured, repaired hundreds of yuan, but the insurance benefits down but can save 1000 yuan."

The president of the abacus is justified, because he first years by telephone car insurance for car insurance, according to his insured risks, insurance cost 950 yuan, commercial insurance cost 3478 yuan; second years, for he a year without an accident, then when the insurance, investment cross strong insurance will give him 10 percent off to 855 yuan, commercial insurance also gave him 30 percent off to 2450 yuan. "According to my understanding, for third years I was a year without an accident, then the insured a 30 percent off price should be even lower than last year's sum insured, so hundreds of yuan a car I don't care."

This is not the case, the recent insurance company to inform him of the renewal, the price quoted is compulsory insurance and commercial insurance is 760 yuan, down 2434 yuan, and he dropped last year compared to the price of commercial insurance only little more than ten yuan.

Automobile insurance second years of preferential flotation. Believe and Mr. Ren has many same question of the owner, so this is how matter in the end, according to the insurance company related to the person in charge, the original, a year without accident claims, according to the provisions of the state, cross strong insurance is reduced by 10% in every year, the minimum can not be less than 665 yuan standard to enjoy; while the commercial insurance, the so-called non out preferential not spend on the basis of the discount in the first owners insurance, but in the benchmark premium discount, while the benchmark premium by the insurance companies themselves, each year is not the same. For example, Mr. Ren covered the insurance company benchmark premium, the first year of insurance is 3475 yuan, do not discount the circumstances he would have to spend so much money; and second years he has cast the benchmark premium for a 3497 yuan, hit 30 percent off, spent 2450 yuan to the president third years; and he throws a benchmark premium to 3477 yuan, up 30 percent off, to spend 2434 yuan to the president. "Compared to look third years for an amount and second years is not much difference, but also to enjoy 30 percent off preferential, but the 30 percent off is based on benchmark premium discount.

In addition, the responsible person also said, every year the insurance companies have to renew customer vehicle price reached a standard fee, according to the benchmark premium to concessions, and each year. "If every year only one or two small insurance claims, preferential is not affected.