How much is the annual insurance for a 200,000 yuan car?

[AngelinaMarie]

First, consider the age of the car—newer cars generally have higher insurance premiums. Next, the model of the car plays a role—rare models are significantly more expensive to insure than common ones. Additionally, the car's claim history from the previous year affects the premium; more claims lead to higher rates. Below is relevant information: Motor Vehicle Insurance: Motor vehicle insurance typically includes compulsory traffic insurance and commercial insurance. Commercial insurance consists of basic coverage and additional coverage. Basic coverage is divided into vehicle damage insurance, third-party liability insurance, comprehensive theft insurance (theft insurance), and passenger liability insurance (driver liability insurance and passenger liability insurance). Additional Coverage: Additional coverage includes standalone glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water driving insurance, no-fault liability insurance, cargo drop liability insurance, vehicle downtime loss insurance, new equipment loss insurance, and deductible waiver insurance, among others.