What is the discount for the first year and the second year?

Generally speaking, commercial insurance does not go out in the first year, and the purchase discount is 30% in the second year. All commercial insurance is the same.

1. Regarding compulsory insurance, if there is no accident in the first year, you can get a 10% discount in the second year. But once in the first year, there will be no discount in the second year. More than two times (including two times), up 10%. If there is a road traffic accident in the last year, the compulsory insurance price will rise by 30% when the insurance is renewed in the second year.

2. If you had a policy last year and the insurance company paid more than 80% of the commercial insurance expenses of the previous year, or if you had two insurances last year, the total compensation expenses paid by the insurance company were more than 80% of the commercial insurance expenses of the previous year, then when you buy insurance again, you can get a maximum discount of 20%, which will be accumulated in turn.

3. For commercial insurance, many insurance companies stipulate that the premium of a car mainly depends on the rate coefficient of auto insurance, and the coefficient depends entirely on the insurance situation and compensation amount of the car in a policy year. Therefore, it is most important to maintain safe driving in the last policy year in order to obtain more favorable commercial insurance benefits in the second year.

Extended data:

Precautions for purchase

First, don't repeat insurance.

Car owners should avoid repeated insurance when handling auto insurance. Some car owners may think that they are more likely to get out of danger in some way, so they will take out this insurance again, thinking that they can get repeated compensation. In fact, this idea is wrong. Even if the owner has repeatedly insured a type of insurance, he will not get too much compensation when making compensation.

Second, don't be over-insured or under-insured.

Some car owners, obviously with a vehicle value of 6.5438+10,000 yuan, have taken out insurance of 6.5438+0.5 million yuan, thinking that they can pay more if they spend more money. Some cars are worth 200,000 yuan, but they are insured for 6,543,800 yuan. Neither of these two insurances can be effectively guaranteed. According to Article 39 of the Insurance Law: "The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess is invalid.

If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value. "Therefore, no matter whether it is over-insured or under-insured, no additional benefits can be obtained.

Third, insurance should preserve its value.

In order to save the premium, some car owners want to cover less risks, or only car damage insurance, not third party liability insurance, or only main insurance, not additional insurance, etc. In fact, all kinds of insurance have their own insurance responsibilities. If the vehicle really has an accident, the insurance company can only assume the insurance liability to compensate according to the insurance contract originally concluded, and some other losses of the owner may not be compensated.

Fourth, update in time.

Some car owners can't renew their insurance in time after the insurance contract expires, but unexpected things have happened. In case there is an accident in the vehicle these days, it is not too late to regret it.

Five, to carefully review the insurance documents.

When receiving insurance documents, we must carefully check whether the third copy of the documents is printed with white carbonless carbon paper and printed with a light brown anti-counterfeiting background, whether the words "China Insurance Regulatory Commission producer" are printed in the upper left corner, and whether the words "limited to sales in XX province (city, autonomous region)" are printed in the upper right corner. If not, you can refuse to sign the bill.

Six, pay attention to the authenticity of the audit agency.

When you apply for insurance, you should choose an institution affiliated to an insurance company recognized by the state. You can't just find an insurance agency to apply for insurance, and you can't be tempted by the so-called "high return". You just want to make a small profit and be fooled by a fake agent.

Seven, check the policy.

After completing the insurance formalities and obtaining the original insurance policy, you should check the items listed in the insurance policy in time, such as license plate number and engine number, and correct any mistakes and omissions immediately.

Eighth, carry your insurance card with you.

The insurance card should be with the insurance.

Remember the validity period of insurance and renew it in advance.

Nine, pay attention to Mo Sheng's "cheat compensation" trick

There are very few people who always want to take insurance as a shortcut to get rich. For example, some people take out insurance first, some people cause accidents artificially, and some people forge, alter or add invoices and vouchers for car repair and medical treatment, all of which belong to the category of insurance fraud and are illegal. Therefore, car owners should never "be smart" on these issues.

Ten, the definition of the third party in auto insurance, should exclude family members.

There is such a provision in the insurance company's exclusion liability that "the insured or its licensed driver and his family are killed or injured, and the property owned or kept by him is lost". When an automobile accident occurs, the driver, his family and the insured's family are not within the scope of a third party.

The provisions of the auto insurance clause are to prevent the insured from intentionally hurting family members in order to obtain insurance money.

References:

One-year car insurance-Pacific insurance