No bonus-malusNo bonus-malus, motor vehicle insurance refers to according to insurance car insurance period specified in be or get out of danger, add, can enjoy the benefit of the no indemnity insurance premium from the above, discount rate based on fixed number of year increasing no reparations.
Reduce the insurance premium rate with no reparations fixed number of year accumulation, but the cumulative up to three years.That did not happen last year during the period of insurance indemnity, 10% discount for the amount of this annual renewal is planted;Did not happen during the period of insurance to compensate for 2 years, 20% discount for the amount of this annual renewal is planted;Three consecutive years did not happen during the period of insurance indemnity, 30% discount for the amount of this annual renewal is planted;For more than 3 years did not happen during the period of insurance indemnity, this year's renewal insurance amount will be 30% discount.
Customer loyaltyCustomer loyalty is a measure of the renewal, shall pay the premium discount coefficient.That is, when the owner in an insurance company insured business car insurance from the previous year, and each year from the policy too often, when the owner this annual renewal of insurance in the insurance company, the insurance company will give the owner a customer loyalty premium discount coefficient, the coefficient is quite so 10% discount.
Safe drivingIf the owner doesn't have any traffic violations in the previous insurance year record, add, can enjoy preferential, safe driving up to 10% discount coefficient.
The average annual mileageIf owners have insured car driving, average annual mileage is less than 30000 kilometers, the average annual mileage discount after the renewal, discount coefficient of up to 10%.
Conclusion:Floating coefficient about car insurance rates, there are a number of other provisions, including buoyancy coefficient.This article about just a few of these common down coefficient introduced, mainly in order to make the general owners know that to meet a variety of conditions, can enjoy the corresponding insurance cost is favorable, and conscious to "save" the "should not spend money".
But because there are many conditions can lead to car insurance rate floating, and most of the time, the owner about her past one or several year's driving and claims records and hard to remember, so, even if the owner have a certain knowledge of car insurance rates, and complete the precise calculation of car insurance rate is also a very complicated problem.This case, through a reliable insurance companies for accurate car insurance quote, fully respect the consumers' rights and interests is particularly necessary.
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