For each owner, strong risk insurance is a mandatory annual cost and a requirement. A lot of people have always thought that the insurance premiums were fixed, that they were priced together every year, and that was a big mistake! In 2026, the policy of new rates of risk and risk was put on the ground, with a significant increase in rewards and penalties, and a significant saving of up to half the premium for safe and compliant driving, as well as a significant rise in premiums due to frequent exposure and illegal driving。
Today i'm going to tell you the latest preferential rules of 2026, the precise rates, the skills of saving money
I. Understanding: the basic purpose for strengthening the risk
Risk insurance is compulsory for the state, the basic premium is uniform throughout the country, the base price is fixed for different types of vehicles, and the day-to-day household car is divided into two categories:
1. 6 cars (5 private cars): basic premium 950/year
2. Over 6 domestic vehicles (7 suvs, mpvs): basic premium of $1,100/year
All premium premiums and upswings are calculated on the basis of this base price, the rules are transparent and the insurance company is not entitled to private changes and all are automatically accounted for by the transfer system。
Number two, 2026, the latest escalator, the more safe to drive
The biggest highlight of this year's new regulation is the widening of the premium-floating gap and the complete application of the principle of “good drivers save more money and risk cars pay more” and the absence of liability, the lack of benefits and the lack of benefits
Five domestic cars
- unaccountable accidents for one consecutive year: 90 per cent of premiums, $855 paid and $95 saved
- accidents without liability for two consecutive years: 80 per cent of premiums, $760 paid and $190 saved
- unaccountable accidents for three or more consecutive years: 70 per cent in conventional areas and 665 per cent in actual payments; and a minimum of 475 per cent in some preferential areas
Seven domestic cars
- unaccountable accidents for one year in a row: $990 paid
- accidents without liability for two consecutive years: $880 paid
- unaccompanied accidents for three or more consecutive years: a minimum of 550 yuan
It's important to remind you that only responsible accidents, not irresponsible ones
The day-to-day pursuit of the car and the total responsibility of the other party, even if it is properly reported, do not affect the next year's benefits, and everyone has no intention of paying compensation and enjoying their legitimate rights and interests。
Iii. What's going on
Preferences are dynamic, and in the event of responsible accidents and serious traffic violations, not only will the benefits be cleared up, but the premiums will rise, and in 2026 they will be subject to stricter rules:
1. One incident in the year of responsibility: restoration of the base price for the following year's premium, all prior years ' benefits being eliminated
2. Two and more responsible incidents in the year: 10 per cent premium inflation, higher than the original price
3. Critical and responsible casualties: a 30 per cent direct increase in premiums, with significant increases
4. Serious offences such as drunk driving, drunk driving, speeding overload: triggers a rise in the violation factor and doubles the premium after a record of accidents
Many vehicle owners stepped on the pit in error: the amount of the claim is not affected by the floating ratio
Even if a small amount of $200 were to be paid, there would be a liability risk once; and even if there was an accident to be paid $200,000, there would be only one risk. So it is more cost-effective to have a minor accident, to choose private and to keep the benefits for years。
"four new players must see! Four hard-to-reach, cash-saving core skills."
1. In case of minor accidents, priority is given to privacy
Old drivers who have not been in danger for many years are highly vulnerable. A few hundred dollars in small scratches and twigs will solve a minor and responsible accident, and as much as possible will not be covered by insurance。
2. Distinction of responsibility and responsibility and reasonable settlement of claims
As long as it is not their own responsibility to report a crime, repair a car, and take out insurance, it does not affect their own risk discounts. In the event of an accident involving full liability, the other party has the courage to settle the claim properly, without having to feel bad for the benefit。
3. Elimination of serious traffic violations
Serious violations such as drunk driving, drunk driving, driving without a permit and speeding at more than 50 per cent can trigger a premium rise factor on an individual basis, even if there are zero accidents throughout the year, which can lead to higher premium prices and daily driving compliance。
4. Retention on time, no release
In addition to being arrested by the traffic police on the road, a fine (which is twice the premium) will be imposed. It will also interrupt the continuous record of no risk exposure, and the benefits accumulated over the years will be directly eliminated, bearing in mind that the renewal is completed one to three days in advance。
V. Final summary
At the core of the new policy of 2026, it was to treat safe owners and restrain irregular driving。
This is a solid benefit for law-abiding, smooth-driving owners, who are able to save nearly $500 a year without years of risk, and a significant increase in the cost of using vehicles for frequent and irregular drivers。
In fact, the logic of risk-saving is simple: less risk-taking, less serious violations and a steady record。
Transmit it to your friends driving around, eat the new rules, and save a lot of money every year
