How is the compulsory traffic insurance calculated for a 4.0L engine?
3 Answers
New car compulsory traffic insurance is not related to engine displacement. Below is relevant information about car engine displacement: 1. Displacement and cars: The volume of space that the piston moves from top dead center to bottom dead center is called cylinder displacement; if the engine has multiple cylinders, the sum of all cylinder working volumes is called engine displacement. It is usually expressed in liters (L). Engine displacement is one of the most important structural parameters, which represents the size of the engine better than bore diameter and the number of cylinders. Many indicators of the engine are closely related to displacement. 2. Displacement classification: In China, the classification of car levels is determined by the size of the displacement. The displacement of a micro car is less than or equal to 1.0L; the displacement of an ordinary car ranges from 1.0L to 1.6L; the displacement of an intermediate car ranges from 1.6L to 2.5L; the displacement of a mid-to-high-end car ranges from 2.5L to 4.0L; the displacement of a high-end car is greater than 4.0L.
As a seasoned driver, I can tell you that compulsory traffic insurance has no direct relation to engine displacement. I drive a 4.0L vehicle myself, and the annual premium is consistently 950 yuan. It's entirely based on seating capacity: 950 yuan for family vehicles with 6 or fewer seats, and 1,100 yuan for those with more than 6 seats. The key factor is your insurance record - if you maintain a claim-free record, you get a 10% discount each year, with the minimum premium reaching 665 yuan after three consecutive years. However, if you've had accidents, the premium will revert to the original rate or even higher. Commercial vehicles follow different standards, but we regular car owners don't need to worry about engine displacement at all.
Last week, my colleague just bought a 4.0L off-road vehicle and specifically asked me about compulsory traffic insurance. Actually, regardless of engine size, as long as it's a five-seat private car, the first-year cost is fixed at 950 yuan. Having driven for ten years, the calculation method for compulsory insurance hasn't changed at all: a 10% reduction each year without accidents, so my car's premium has dropped to 760 yuan. On the other hand, commercial insurance is linked to engine displacement, with the damage insurance for a 4.0L vehicle being much more expensive than for smaller engines. Insurance companies' systems automatically calculate prices based on vehicle models, so there's no need to do the math yourself.
