汽车保险一般一年多少钱？英文双语对照

车险有交强险和汽车商业险，交强险是一种强制性保险，买车就必须要交，否则不允许上路的。而汽车商业险则属于非强制性保险，是根据自身情况来决定是否购买，购买什么样的。通常，交强险的赔付额度都不高，一旦发生严重事故，车主还需要自己承担经济赔偿，我们买私家车肯定是为了生活的更好，如果因为没有买商业险，赔个几十万，那不是让自己生活的很痛苦？所以，汽车商业险还是有必要买的。頭條萊垍

至于汽车商业险多少钱一年，就与具体买什么商业险有关了。汽车商业险包括第三者责任险、车损险以及一些附加险。而上面提到的强制性保险——交强险的价格是国家统一标准，但是它的收费额跟车上的座位数以及使用性质有关，以下作为交强险费用参考。萊垍頭條

除却交强险之外的商业险则属于非强制性保险，都是根据自身情况来决定是否购买。第二种答主觉得有必要购买的商业险还有车损险，尤其是对一些价格比较贵的好车、豪车等，车损险可千万不能省。萊垍頭條

车损险的保费是这么计算的：车辆损失险保费=基础保费+裸车价x费率萊垍頭條

如果是旧车的话，还需要按照车辆折旧后的价值来确定，具体估值多少要根据保险公司以及市场行情来计算。垍頭條萊

除此之外，第三者责任险的购买也是必要的。第三者责任险是赔别人的，出险的时候先用交强险赔偿，超出的部分再由第三者责任险来赔。鉴于目前街上豪车遍地，而且很多行人不能够很好的遵守交通规则，这个商业险不能省，推荐购买50万级别及以上的，答主投保的是50万保额的。三者险的保费会因为投保等级不同而不同，下面是主流三者险的费用明细：萊垍頭條

此外，像其他一些车上人员责任险、车身划痕损失险、自燃损失险、不计免赔险等。这些保险都是自愿购买的附加险，可以看你需求再决定是否购买。萊垍頭條

以上是答主在买车险之前进行的预计报价，大家可以作为参考，不过车辆价格不同，报的价格也有些差别的。答主是在支付宝里面关注的众安保险的服务号买的车险，还是蛮方便的，听说众安的保骉车险是众安平安联合推出的车险，理赔简便快速，好在答主开车比较谨慎，目前为止还没有出过险。萊垍頭條

以下是几种常见的购险方案。垍頭條萊

（1）约20%的车主选择交强险+商业三责险（30万元）+车损险+车上人员责任险+盗抢险+玻璃单独破碎险+不计免赔特约+车身划痕损失险，比较适合新车新手。萊垍頭條

（2）约60%的车主选择交强险+商业三责险（20万元）+车损险+车上人员责任险+盗抢险+不计免赔特约，比较适合长期放在固定停车场的车辆。條萊垍頭

（3）约15%的车主会选择交强险+商业三责险（10万元）+车损险+不计免赔，比较适合驾车技术熟练且会较长时间使用车辆的车主。條萊垍頭

（4）最后还有5%的车主选择只买交强险，这是比较有风险的选择，也是前面认为不可取的行为。萊垍頭條

总结而言，一般私家车一年的车辆保险费用在2000到8000左右或者更多些，至于最终适合自己爱车的商业险是哪些？要多少保费，还是要看自己的选择。條萊垍頭

Car danger has make strong danger and car business narrow pass, making strong narrow pass is a kind mandatory safe, buy a car to must want to hand in, do not allow start off otherwise. And car business risk is belonged to blame is mandatory safe, it is according to oneself the case decides to whether be bought, buy what kind of. Normally, the compensate that makes strong narrow pass pays the forehead to spend not tall, once produce casualty, car advocate still need oneself to assume economic compensation, we buy illicit home car is for the life for certain better, if because do not have,buy commercial risk, compensate hundred thousands of, is that is those who let oneself live very painful? So, car business risk still is necessary to buy. of Zuo Qu

As to car business risk how much Qian Yinian, with specific buy what business risk to concern. Car business risk includes responsibility of a third party danger, car caustic danger and a few additional risk. And above those who mention is mandatory safe -- the price that pays strong danger is the country unites a standard, but its collect fees the seating that the forehead follows a car to go up and use property is concerned, hand in strong danger charge to consult with next regarding <> as. of Qu Zuo

Except hand in the commercial risk besides strong danger to be belonged to however blame is mandatory safe, it is according to oneself the case decides to whether be bought. The 2nd kind answers advocate the commercial risk that feels to be necessary to buy still has car caustic a place difficult of access, compare car of expensive good car, a person of extraordinary powers to wait to a few prices especially, car caustic danger but ten million cannot be saved. of Qu Zuo

The insurance cost of car caustic danger is so calculative: Insurance cost of base of = of insurance cost of car loss danger + of Zuo of of Qu of rate of cost of X of naked car price

If be old car, still need to decide according to the value after car depreciation, more or less specific estimate value should be calculated according to insurance company and market level. Qu of Zuo

Besides, of danger of responsibility of a third party buying also is necessary. Danger of responsibility of a third party is compensate others, be or get out of danger when use first pay strong danger compensation, the share that exceed comes by danger of responsibility of a third party again compensate. In view of at present car of a person of extraordinary powers on the street everywhere, and a lot of pedestrians can not abide by traffic regulation very well, this business risk cannot be saved, recommend those who buy 500 thousand level and above, answer advocate cast those who protect is 500 thousand those who keep the specified number. 3 person because cast,the insurance cost of danger is met protect grade to differ and differ, the mainstream is below 3 person the charge detail of danger: of Qu Zuo

In addition, resemble a few otherer danger of danger of danger of responsibility of the personnel on the car, loss of automobile body nick, spontaneous combustion loss, not plan the danger that avoid compensate. These insurance are the additional risk that buys of one's own accord, can see your demand decide to whether be bought again. of Qu Zuo

Above is to answer advocate the predicting quote of the ongoing travel that buying car a place difficult of access, everybody can serve as reference, car price is different nevertheless, the price of the newspaper also has some of difference. Answer advocate it is the car a place difficult of access that buys in the service mark that pays the numerous security risk that pays close attention to inside treasure, still be pretty is convenient, hear numerous a place difficult of access of installed the car that protect Zuo is numerous the car danger that how rolls out jointly in safety, manage compensate is handy and fast, answer fortunately advocate drive more careful, at present till had not gone out danger. of Qu Zuo

It is below a few kinds buy danger program commonly. Qu of Zuo

(1) the car of about 20% advocate the choice makes strong narrow pass + commerce 3 duty danger (300 thousand yuan) + car caustic danger + danger of responsibility of the personnel on the car + pilfer rush to deal with an emergency + glass is alone and broken danger + not plan the engage by special arrangement that avoid compensate + danger of loss of automobile body nick, fit new car new hand quite. of Qu Zuo

(2) the car of about 60% advocate the choice makes strong narrow pass + commerce 3 duty danger (200 thousand yuan) + car caustic danger + danger of responsibility of the personnel on the car + pilfer rush to deal with an emergency + not plan the engage by special arrangement that avoid compensate, suit to be put for a long time in the car of fixed parking lot quite. Zuo of Qu

(3) the car of about 15% advocate can choose to make strong narrow pass + commerce 3 duty danger (100 thousand yuan) + car caustic danger + not plan avoid compensate, suit to drive trick-cycling art adroitness quite and the meeting is longer the car of use car advocate. Zuo of Qu

(4) the car that there still is 5% finally advocate the choice is bought only make strong narrow pass, this is the choice that has a risk quite, also be in front the behavior that thinks to cannot be taken. of Qu Zuo

summary, car insurance premium of a year uses car of general illicit home in 2000 to 8000 the left and right sides is some morer perhaps, as to the commercial risk that suits oneself finally to love a car what be? Want how many insurance cost, still want to see oneself alternative. Zuo of Qu