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How much is the insurance for a 100,000-yuan car in the second year?

1 Answers

DelRyan

07/29/25 11:31am

Renewal premiums are closely related to the previous year's claim history. If no claims were made in the first year, the compulsory traffic insurance premium will be discounted by 10% in the second year, and commercial insurance by 30%. For new car insurance, if no claims are made within one insurance period, the premium for the next insurance period will also decrease. If a claim was made in the first year, the premium will increase in the second year, and if a claim is made in the second year, the premium will continue to rise in the third year, making it more expensive than the previous year's premium. Below is a detailed introduction to commercial vehicle insurance: 1. Vehicle Damage Insurance: Covers losses caused by natural disasters and accidents to the vehicle itself. Recommended for new drivers. 2. Third-Party Liability Insurance: Covers compensation for third-party personal injury or death caused by the vehicle owner. This is a must-have for both personal and others' protection. 3. No-Deductible Insurance: An additional insurance that transfers the owner's liability to the insurance company, reducing the owner's loss. It's advisable to purchase this if both Vehicle Damage Insurance and Third-Party Liability Insurance are bought. 4. Theft and Robbery Insurance: Covers damages caused by theft, robbery, or hijacking of the vehicle. Recommended for owners without a garage. 5. Passenger Liability Insurance: Covers losses of the driver and passengers due to traffic accidents. Premiums are usually paid per seat. Recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses due to fires caused by the vehicle's own electrical or wiring issues. Suitable for older vehicles. 7. Glass Breakage Insurance: Covers the separate breakage of the windshield or window glass. Since replacing glass is very expensive, it's recommended for vehicles frequently driven in unsafe areas. 8. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches to the vehicle body.

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