che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车主在购买che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆后，为了减少在意外事故发生之后自己的经济负担，一般都会给che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车购买强险，然而市场上的che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险的险种也是比较多的，故而che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车主需要根据自己的实际情况确定购买何种类型的保险，且不同的险种的费用是不一样的，根据che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险价格确定方法，汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车保险多少钱一年?

一、汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车保险多少钱一年?

首先看一下国产10万元左右che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型的che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车保险一年多少钱，一般10万元汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车应该投保4个最基本的险种：第三者责任险(10万)、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员意外伤害险和不计免赔险。每个城市保费会有所差别，这里暂且忽略这个差别，以一个中等城市为例，10万元che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型的che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险一年大概需要3700元左右。而20万左右的中高档汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车，应该加保che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆划痕险和玻璃单独破碎险，至于盗抢险则应根据当地情况来选择了，这里暂且不算，如此一来大概一年需要4500元左右。对于50万左右的高档汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车，就建议加购盗抢险，这样就需要将近7000元的年消费了。这些che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车保险一年多少钱的计算都是对于新che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车而言，不同年份的汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车，会有不同的费率标准，一般随着che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车龄的增加，保费也会相应增加，这里便不再赘述。

具体规定如下：

1、交强险一般为950元，但遵循浮动费率机制，最低可降30%;

2、玻璃单独破碎险通过区分进口和国产来确定;

3、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员责任保险以每个che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员的最高peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿限额确定;

4、不计免赔险一般为固定费率;

5、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险为固定保费和che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型比率费用之和来确定;

6、三者险通过保额来确定;

7、盗抢险通过che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型比率费用确定;

8、划痕险通过保价来确定;

che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆保险购买原则：

优先购买足额的第三者责任保险，司机乘客座位责任险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险的免赔险;在购买I其它险种(盗抢险、玻璃、自燃、划痕险)结合自己的需求购买。

二、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险分类

che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险分为基本险和附加险。基本险包括第三者责任险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员责任险以及盗抢险;附加险包括玻璃单独破碎险、自燃损失险、不计免赔特约险等。交强险也属于广义的第三者责任险，是强制性险种，che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车主必须购买。

三、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险价格确定方法

(1)交强险一般为950元，但遵循浮动费率机制，最低可降30%;

(2)che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险为固定保费和che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型比率费用之和来确定;

(3)三者险通过保额来确定;

(4)盗抢险通过che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车型比率费用确定;

(5)che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员责任保险以每个che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员的最高peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿限额确定;

(6)划痕险通过保价来确定;

(7)玻璃单独破碎险通过区分进口和国产来确定;

(8)不计免赔险一般为固定费率。

还有一些并不很常用的险种，这里就不给大家介绍了，下面我们看看投保的价格。

强险一般在一千元左右，che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险分为基本险以及附加险，根据具体的情形还可以再继续划分。需要注意的是，并不是交了强险之后就意味着，在che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车主发生意外事故后即粗需要承担peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿责任，具体需要根据事故是由哪一方所造成的来确定责任主体。