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Many shanghai drivers have doubts about their annual car insurance:
It's more expensive every year to pay insurance premiums without accident。
In fact, most people do not know that shanghai is a very small city in the country that has a direct impact on high-risk prices。
It's not just the risk of higher prices, red lights, speeding, drunk driving, the generals raise the next year's premium。
Today, in accordance with the 12123 official floating rules of the traffic, i will make it clear, once and for all, that the owner of the car will no longer be harmed by a follow-on guarantee。
First, remember: pay a premium on the basis of risk insurance (unified nationwide)
Domestic car standard fixed:
- 6 private cars as follows: 950 yuan/year
- 6-8 private cars: $1,100/year
The largest features of shanghai premiums:
Final price = base premium x violation floating factor x accident floating factor
Violations and accidents are counted separately, double-checked, and this is the real reason for the large fluctuations in shanghai premiums。
Focus. How shanghai violations affect premiums (locally exclusive)
For many years, compliance with the law has resulted in a direct discount on the premium, which has become less expensive。
Non-violation preferences (declining from year to year)
- one year without violation: 90% premium
- 2 years without violation: 80% premium
- 3 years and above without violation: less than 60%
As long as there's one ordinary violation, all benefits are cleared
It's like breaking red lights, speeding, crushing wires, molesting pedestrians, deviating paths, overloading
As long as a single item is recorded in the system, the preference is fully eliminated during the year at the original price。
Direct price increases for serious violations (over and above floating)
- dui: up 15%
- drunk driving: up 30%
A number of serious violations can be superimposed, up to a maximum of 60 per cent throughout the year。
In other words, a drunk drive, a direct increase in premiums in the coming year is very uneconomical。
Iii. Account role (separate from violation)
In addition to violations, the liability may affect premiums separately:
No accident benefits
- one year without liability: 90%
- two years without liability: 80%
- three years without liability: 70%
Price escalation rules
- 1 accident with liability: elimination of preference, original price bill
- 2 and above incidents of responsibility: 10 per cent rise
- causing death: direct rise of 30 per cent
Iv. Real premium measurement (example $950)
The most intuitive comparison i'll give you:
1. Model owner (3 years without violation + no accident)
After the combined discount: only $399
2. Occasional violations, no accidents
A year of ordinary violations, no accidents: $855
3. Serious violations/risks
Duis, speeding, risk, easy insurance, 1000 plus
The gap is clear. Drive well. It'll save hundreds of dollars a year。
V. Four issues of greatest concern to the owner (official standard answers)
1. Does a field violation count
Count! The national data network is also included in the premium float for foreign violations。
No matter where you break the law, the next year's premium will be affected。
2. Have the violations been dealt with, and the deduction fine paid, been paid
It won't be clean。
The handling of violations is only the elimination of cases and records are kept, still affecting the current year's premium。
3. Vehicle transfer, recalculation of premiums
Don't recalculate。
Infringements, accidents and accidents are recorded with the vehicle and the new owner takes over is the original floating rate。
Four, change cars
New vehicles in their own names, starting from scratch, are not affected by the old vehicle's violation records。
Vi. Saving money advice to shanghai owners
After reading the rules, you know:
Shanghai is a country that rewards its owners and punishes those who violate its laws。
Remember three words:
One,
2. No red lights, no speeding, annual discounts
3. Low risk of careful driving and lower long-term premiums
Summary
The best way to save money is to drive in shanghai, not to violate regulations or to avoid risk。
It looks like a small one-time pressure line, a one-time speeding, and the second year is directly reflected in the rise in premiums。
