How to pay insurance for second-hand cars: analysis of hot spots and practical guide on the entire network
As the second-hand car market continues to heat up, the topic of second-hand car insurance has become a hot topic of discussion in the past 10 days. This article combines the latest hot topics on the Internet to sort out the precautions, processes and money-saving tips for second-hand car insurance, and also attaches structured data for reference.
1. Recent hot topics related to second-hand car insurance
1.New energy used car insurance disputes: Many media have reported on the difficulty in renewing new energy car insurance, which has affected the second-hand car market.
2.Premium increase warning: Car owners in many places report that car insurance quotations in 2024 will increase by 10%-30% year-on-year.
3.New rules for electronic insurance policies: Starting from July, paperless electronic insurance policies will be implemented nationwide to simplify the transfer process.
| Hot keywords | search index | Related policies |
|---|---|---|
| Second hand car insurance transfer | 82,000 | "Motor Vehicle Registration Regulations" 2022 Revised Edition |
| Premium calculation | 65,000 | Adjustment of independent pricing coefficients for commercial auto insurance |
| New energy car insurance | 121,000 | "New Energy Auto Insurance Exclusive Terms" |
2. Core steps for second-hand car insurance
1.Policy transfer: You need to bring a copy of the original car owner’s ID card, driving license, registration certificate, and transaction invoice to the insurance company for processing.
2.Re-underwriting: Insurance companies will re-evaluate risks based on vehicle age and mileage. Common underwriting standards are as follows:
| Vehicle age | Mileage (10,000 kilometers) | Premium coefficient |
|---|---|---|
| ≤3 years | <5 | 0.9-1.0 |
| 3-5 years | 5-10 | 1.0-1.2 |
| >5 years | >10 | 1.2-1.5 |
3. Comparison of quotes from mainstream insurance companies in 2024
| insurance company | Basic premium (100,000 insured amount) | Special services |
|---|---|---|
| Ping An Insurance | 2850 yuan | Free roadside assistance |
| Pacific Insurance | 2720 yuan | accident scooter |
| PICC Property & Casualty Insurance | 2980 yuan | Lifetime warranty service |
4. Practical tips for saving money
1.Selection of transfer timing: It is recommended to apply within 30 days before the insurance expires to avoid repeated insurance.
2.Insurance optimization: For old cars that are more than 5 years old, the amount of car damage insurance can be appropriately reduced.
3.value-added services: Compare each company’s additional services (such as scratch insurance, tire insurance, etc.).
5. Things to note
1. Be sure to verify the accident record of the original car owner, which can be checked through the insurance company or the "Traffic Control 12123" APP.
2. Mortgage cars must be released from mortgage status before they can be insured.
3. Some cities restrict commercial insurance for vehicles with emissions below National IV.
Conclusion:Second-hand car insurance requires compliance with the procedures and reasonable configuration based on the condition of the vehicle. It is recommended to apply for insurance through formal channels, keep complete transaction vouchers, and complain to the China Banking and Insurance Regulatory Commission (hotline 12378) if you encounter any disputes.
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