只买一个交强险要多少钱

只买一个交强险要多少钱

I used to buy only compulsory insurance and have been accident free since '02. I've chickened out in the last two years and bought business and auto insurance [sobs]Catwoman WitchSenior English Teacher

Buying car insurance for $960, surprised to find 1250 when I paid, this is a familiar face, it's been $960 for a couple years, one for compulsory insurance and one for vehicle use tax.

I immediately asked her if there was a mistake.
She said no, it's 1,250 dollars.
I said it used to be 960, did the price go up?
She said: you forget, six months ago your car was insured once, if the car had not been insured, the two add up to 960, and your had been insured, so naturally it reverts to more than 1,000.

I said let me think about it, it seems like it's really happening.

At that time, my friend lent me a car, I gave her, she rear-ended on the highway, I remember her saying that when she got off the highway, she rear-ended someone else's car, and ended up spending more than 6,000, the insurance is also reported to the parents of the 2,000 parents because she is fully responsible, and rear-ended the car is a more than 200,000 SuV, she said that she was very angry, then the car's speed are not fast, because of the next highway entrance toll booths, she was just cut off each other's bumpers, there is no more How serious is it? People are also all right, the bumper spray paint at most more than 2,000.

I said then how did it end up being over 6,000 and she said because the other vehicle had a sticker on it and she had to give him a full replacement.

At the time it was all about her taking care of the aftermath very much needing my information when I butt in, so I'm not too impressed.

That now only pay 1250, after all, did get out of the insurance, it seems to be safe and sound on the road, no safety accidents, buy insurance can be cheaper than 300. At that time, my car was also repaired, the front face was cut off, how much money spent friends did not say, she fixed let me drive away.

I asked an acquaintance of my insurance friend, this can not be discounted? She said as long as you don't have an insurance policy this year, you should be able to get a discount tomorrow.

解答　　1、交强险要交的钱如下：交强险新车第一年：950元，车船税是一年360元，新车是按月份交税的，第二年如果没出险，交强优惠10%，第二年没出险的话，交强险优惠20%，第三年没出险的话，交强险优惠30%。　　2、交强险的赔偿范围：根据《机动车交通事故责任强制保险条例》规定，投了保的机动车发生交通事故造成本车人员、被保险人以外的受害人人身伤亡、财产损失，保险公司在限额内予以赔偿。汽车交通事故责任强制保险在全国范围内实行统一的责任限额。责任限额分为死亡伤残赔偿限额、医疗费用赔偿限额、财产损失赔偿限额以及被保险人在道路交通事故中无责任的赔偿限额。

交强是国家强制规定买的，是建立在“以人为本”的基础上，所以在有责的情况下，是要赔付12万的死亡伤残1万的医疗费用2000的财产损失，无责也是要赔的，无责是1.1万的死亡伤残，1000的医疗费用，100的财产损失。

还有一个是赏优罚劣的原则，以5座的客车为例，第一年保费是950，如果没有出险，没有用交强险进行赔付，第二年是855（下浮10%），第三年是760下浮20%）.如果第一年出险了，用了交强险赔付，第二年是950，如果多次出险，就是1045（上浮10%）.

交强的财产赔付是100–2000，肯定是不够的，是要一个三者险来补充，撞个奥拓，一般交强的财产损失2000可能就够了，但是如果不小心撞了个宝马呢？

三者5W-50W的居多，一般就买20W的，就是把对方的人或者物撞了，对方要求赔的话，买的20W的，最多就赔20W

三者还要买个不计免赔才行

比如对方车损2W

你的全责

交强赔2000

剩下的18000是三者赔

买了不计免赔

那么保险公赔剩下的

如果没买不计免赔

保险公司只赔18000的80%

剩下的18000的20%自己给钱

前提是买的三者限额高于赔付限额哈

只买1W三者，保险公司最多赔1W或者1W的80%