The total insured amount is 1.22 million, which is divided into:

The highest death and disability compensation paid by the responsible party is (1 1 ten thousand), and the lowest compensation paid by the non-responsible party is (1. 1 ten thousand).

The highest compensation for medical expenses shall be paid by the responsible party (1 1,000 yuan), and the lowest compensation shall be paid by the non-responsible party (1 1,000 yuan).

The highest compensation for the property loss of the responsible party (2000 yuan) and the lowest compensation for the non-responsible party (100 yuan).

The basic premium of compulsory insurance is generally 950. If there is no liability accident in the last year, 10% discount will be given, 20% discount will be given for two consecutive years, and 30% discount will be given for three consecutive years or more. The number of traffic deaths caused by accidents increased by 30% in the last year, and the number of two accidents increased by 10% in the last year, and the full compensation was paid once in the last year.

Gege didn't report it in previous years, so the compulsory insurance was 665 when I bought auto insurance last year. There was an accident last year, and I had to pay the compulsory insurance, so I can only pay in full this year.

You are not allowed to go on the road without compulsory insurance. This is compulsory insurance! Premium 665~ 1235!

Second, car damage insurance

Car damage insurance is responsible for compensating the loss of the vehicle itself caused by natural disasters or accidents.

Baidu introduced the calculation formula of car damage insurance, feeling that it is not so calculated now, and it is given according to the depreciation period of new cars. Gege Xiaozhi has bought it for six years. At present, the amount of car damage insurance is 504.95 million, and the premium is 7.79. I think the insured price is given according to the ten-year depreciation of the new car. Because there is a rule: the insurance amount cannot exceed the value of the vehicle.

Car damage insurance is basically the highest commercial insurance for private cars. If your car needs a new one, or the residual value is already very low, I suggest you don't have to consider this item.

Three, three liability insurance

Because the amount of compulsory insurance is only 60 thousand yuan. Not afraid of 10 thousand, just afraid of one thousand. In case of an accident, 60 thousand yuan is obviously not enough. I buy 500 thousand third party insurance every year, and the premium is 779 yuan. 500,000 is more than 300,000 yuan 100 yuan. It is said that it is more appropriate to insure 500 thousand. Although I have been driving for six years, I have never seen such a situation, but I often drive the highway alone, so it is better to have peace of mind.