After buying a car, all kinds of expenses emerge in endlessly, such as fuel costs, maintenance fees, car insurance, parking fees, etc., basically cost nearly 1,000 yuan every month. As for car insurance, car owners are obviously very clear, including compulsory traffic insurance, commercial insurance, and so on. Generally speaking, the cost of car insurance in the first year of a new car is higher, basically about 6,000, if there is no insurance or the number of accidents is small, then the cost of car insurance will decrease year by year. As for the compulsory traffic insurance, car owners also know that every car must be insured, otherwise they cannot drive on the road, which is compulsory insurance. With the development of the automobile market, car insurance has also ushered in many changes, for example, car owners note: in 2024, the "compulsory traffic insurance" will be adjusted again, no longer 950 yuan, don't make a mistake, understand.
We know that in the past, compulsory traffic insurance was a fixed expense, no matter what your driving habits were, how good your driving skills were, the premium is the same, which is indeed a bit unfair to most car owners. However, this is not the case with today's compulsory traffic insurance, which will fluctuate up and down depending on the model and the purpose of the vehicle, the number of seats, and the insurance situation in previous years. If the number of seats in an ordinary family car is less than 6, the cost of compulsory traffic insurance in the first year of a new car is 950 yuan, while the cost of compulsory traffic insurance in the first year of a family car with 6 seats or more is 1,100 yuan. In addition, if it is a non-operating vehicle of the enterprise, the cost of these two is 1,000 yuan and 1,130 yuan respectively.
However, if it is a business vehicle, especially a truck, the carrying capacity does not exceed two tons, the cost of compulsory traffic insurance in the first year is 1,850 yuan, greater than or equal to 2 tons and less than 5 tons, the first year is 3,070 yuan, more than 5 tons less than 10 tons, and the cost of compulsory traffic insurance in the first year rises to 3,450 yuan. This is based on the model and the purpose of use, and of course it will be adjusted according to the accident situation of previous years. If you did not use the compulsory insurance to make a claim in the previous year, then the cost of the compulsory insurance will be reduced this year.
Under normal circumstances, for family cars, models with less than 6 seats are still 950 yuan in the first year. If you have not been insured in the first year, the fee will be reduced by 10% in the second year, 20% in the third year, and 30% in the fourth year. On the contrary, if the number of accidents is more frequent, the cost of compulsory insurance will increase year by year. Therefore, for the old drivers who are more cautious in driving, relatively skilled in technology, and more clear about the traffic rules, the floating compulsory traffic insurance is obviously more humane.
Although there are some restrictions on the amount of compensation for compulsory traffic insurance, it can still play a very large role in some small traffic accidents and can basically cover the corresponding losses. Therefore, in addition to compulsory traffic insurance, commercial insurance is also very necessary, and only the combination of the two can more comprehensively ensure driving safety. Of course, as a car owner, the most important thing is to pay more attention when driving, after all, be careful to sail a 10,000-year-old ship, and pay attention to some traffic accidents that can be avoided. Learning more relevant driving skills, traffic rules and car knowledge can help greatly reduce the probability of accidents. After all, once a traffic accident occurs, it will not only affect the premium of the next year, but also the loss of the vehicle. So what do you think about the adjustment of the compulsory traffic insurance? List of high-quality authors