Can the insurance still enjoy the previous discounts after the vehicle is transferred?
1 Answers
Not necessarily. The price of car insurance premiums is generally related to factors such as the number of claims in the previous year, the model of the vehicle, and the age of the vehicle. For example, if there were many claims in the previous year, the premium for the second year may increase slightly. If there were no claims in the previous year, the car insurance premium for the second year will continue to enjoy a discounted price, even if the insurance is transferred. However, if the vehicle is significantly worn out at the time of transfer, the coverage amount for the car damage insurance may decrease, and the premium for the car damage insurance will also decrease accordingly. To some extent, this can also be considered a discount. The documents required from the original owner for a used car transfer include: the registration certificate, driving license, and ID card. The buyer needs to provide an ID card, and if they are from another city, a residence permit or temporary residence permit is required. Vehicle transfer first requires a vehicle evaluation. The evaluation fee is generally 1%-2% of the evaluated vehicle price, and other fees include those for the license plate and driving license. The original owner's commercial insurance can be canceled (compulsory insurance cannot be canceled), or the insurance can be transferred to the buyer at the insurance company. Precautions for buying a used car: Incomplete procedures. Complete procedures for a used car include: the vehicle registration certificate (or the original purchase invoice), driving license, vehicle purchase tax payment certificate, road maintenance fee procedures, and compulsory insurance. If the vehicle registration certificate or driving license is missing, or if the compulsory insurance or road maintenance fees are in arrears, it will cause endless trouble for the buyer. Therefore, when purchasing a car, if the seller cannot provide complete procedures, consumers should be particularly vigilant. Tampering with the odometer. Most consumers like to judge the condition of the car based on the odometer, and sellers often take advantage of this psychology to tamper with the odometer. In fact, the odometer is not only a record of usage intensity but also a recorder for the maintenance and replacement of other parts of the vehicle. If the buyer follows the tampered odometer for maintenance, it will bring a series of potential safety hazards. New paint covering 'external injuries'. When consumers choose a used car, if the car has been repainted and there are signs of repair around the front, rear, and A, B, C pillars, the car is very likely to have been involved in a major accident. 'Tuning the heart' to raise the price. Many consumers often pay too much attention to the 'heart' of the car when buying a car and neglect the health of the car body. Used car sellers take advantage of this psychology by replacing engine parts to make the vehicle's 'heart' appear younger, thereby raising the price.
