How much does car insurance cost: the latest price analysis and hot topic summary in 2024
Recently, car insurance prices and five insurances and one housing fund have become the focus of heated discussions across the Internet. With the adjustment of premium policies in 2024, many car owners have questions about car insurance costs. This article will combine the popular data from the entire network in the past 10 days to provide you with a detailed analysis of the current prices of the five auto insurance insurances and provide a structured comparison table.
1. The latest trends in auto insurance and five insurance prices in 2024
According to the latest quotes from major insurance companies, car insurance costs are affected by factors such as vehicle type, region, and historical accident records. The following is a reference for the average prices of mainstream models:
| car model | Compulsory traffic insurance | Commercial insurance (all risks) | Total cost of five insurances |
|---|---|---|---|
| Ordinary family cars (below 1.6L) | 950 yuan | 2500-4000 yuan | 3450-4950 yuan |
| SUV (2.0L) | 1100 yuan | 3500-5500 yuan | 4600-6600 yuan |
| New energy vehicles | 950 yuan | 3000-5000 yuan | 3950-5950 yuan |
2. Five auto insurance topics that are hotly discussed on the Internet
1.Controversy over new energy car insurance price increase: Recently, many insurance companies have raised new energy vehicle insurance rates, triggering collective discussions among car owners.
2.Auto insurance electronic policies are widely popularized: Electronic insurance policies will be promoted nationwide, and paper insurance policies will gradually withdraw from the market.
3.Adjustment of payment base for five insurances and one housing fund: Many provinces and cities have announced new social security payment standards for 2024, which will affect corporate employment costs.
4.Digitizing car insurance claims: New technology applications such as AI loss assessment and online claims settlement have become industry hot spots.
5.Third party liability insurance coverage increased: Discussions on the proposal to increase the insured amount from 1 million to 2 million continue to heat up.
3. Key factors affecting car insurance prices
| Influencing factors | price range | Description |
|---|---|---|
| No accident record | Float down 30%-50% | No claims for 3 consecutive years to enjoy maximum discount |
| high risk areas | Increase by 20%-40% | Insurance premiums are higher in areas with high accident rates |
| Additional insurance options | 500-2000 yuan | Such as scratch risk, spontaneous combustion risk, etc. |
| Car owner age | ±15% | Premiums are usually higher for those under 25 |
4. Car insurance purchase suggestions in 2024
1.Compare multiple quotes: The price difference between different insurance companies can reach 20%. It is recommended to obtain quotes from 3-5 companies for comparison.
2.Pay attention to policy changes: Mileage insurance is piloted in some areas, and low-mileage car owners can save premiums.
3.Reasonably choose additional insurance: New energy vehicle owners are recommended to purchase special battery insurance, and old vehicles may consider spontaneous combustion insurance.
4.Utilize Internet channels: Online purchases are usually 5%-10% cheaper than offline channels.
5. Reference for the latest payment standards for five insurances and one housing fund
| Insurance type | Enterprise ratio | personal ratio | Payment base range |
|---|---|---|---|
| Pension insurance | 16% | 8% | The local average salary is 60%-300% |
| medical insurance | 9.5% | 2% | Same as pension insurance |
| unemployment insurance | 0.5% | 0.5% | Same as pension insurance |
| Work injury insurance | 0.2%-1.9% | 0% | Same as pension insurance |
| maternity insurance | 1% | 0% | Same as pension insurance |
With the digital transformation of the insurance industry, it is recommended that car owners regularly pay attention to policy changes and obtain the latest quotation information through official channels to ensure the most cost-effective protection plan.
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