Learn some financial knowledge every day, and don't be financially blind
When it comes to car insurance, let's understand how it works in simple words.
First of all, the cost of car insurance is calculated based on a lot of factors. Imagine that you buy a car and the insurance company will look at the value of the car, what type of car it is, and also consider the age of the person driving and where they usually drive. It's like assessing a "risk puzzle", with each part affecting the cost of insurance you need to pay.
Now, if your car is in an accident, the insurance company will determine your premium for the following year based on the amount they pay. Here's an important point to keep in mind:As long as the insurance company pays the compensation, no matter how big or small the accident is, it is considered an accident.
Let's look at an example.
If your car has a major accident and the loss is more than 2,000 yuan, then the insurance cost will increase for the next year. However, if the accident is minor and the insurance company compensates you twice or less in a year, your premiums will usually not**. That sounds good, right?However, this will affect the discounts you enjoy.
It's like a point system. If your car was insured 3 times in the previous year, the cost of insurance will increase by 10;If it's 4 times, add 20;5 or more times, increase by 30. However, if there are 8 or more trips, the insurance company may even choose not to cover you anymore.
So, to put it simply, insurance is like a safety net. You pay a certain amount of money just in case your car gets into an accident. However, if you are involved in accidents frequently, the insurance company will consider that the risk of insuring you is greater and will therefore charge a higher fee. That's why it's important to maintain a good driving record, not only for safety, but also for your wallet.
List of high-quality authors