car insurance, insurance premiums go up even without an accident?

Although there is no accident, it probably is to be times when premium of automobile insurance does not become cheap?

When our individuals make a contract automobile insurance, ranking the discount (or extra) has been decided on the basis of the system, non fleet class, (there being to n/a classes,).

Being new generally, when it joins to automobile insurance, if it starts from usually 6 classes and there is no 1 annual accident as for ranking the discount when there is one advancing (7 classes) and an accident, ranking three knocking down (3 classes) is principle concerning accident 1 case.This percentage leading differs every class, for example in 20 classes becomes 60% discount (conversely as for 1 classes 60% extra).

If it does from the standpoint where it makes a contract to automobile insurance if there is no 1 annual accident, with continuation of next year as for automobile premium becoming cheap being proper, you think that it is natural feeling.Then when temporarily 1 years there was no accident at the term insured which is said, is the fact that automobile premium becomes high in the following year probably certain?

Today you explain such automobile insurance and class (system and non fleet class system of discount extra), concerning the mechanism of relationship and premium decision.

Basic element of automobile rate of premium

Automobile premium has been decided with type class of that car and extra pulling of class of automobile insurance.type and class of car (that are described in the vehicle inspection certificate. like the part referred to in the clothes) say that, will be divided into class for each vehicle-injury-compensation of each objective, interpersonal.

this class has decided to also automatically each type of car.

argument and premium grades of automobile insurance system is that of grade nonfurito, this is determined by the presence or absence of a car accident have contracted.

these2one element will be the foundation of your auto insurance premiums. let’s look at the details below so.

nonfurito grade system and car insurance

you should check with the basics of auto insurance system and first grade nonfurito. as previously mentioned principles, 6if you do not have one grade proceeds accident insurance during the period starting from grade, if you have an accident3grade goes down one.

there is an accident of an accident or grade deferred treatment of exception handling but no count was also.
no accident count
even if by accident insurance payments, discount will also continue next year will not be counted in the treatment on the contract of automobile insurance accident.
if you use only personal injury insurance
if you use only the passenger accident insurance such as
handling accident deferred grade
and as its name deferment does not even rank up because it is also down. grade will be the same as the previous year’s grade.
if the front glass is broken in the stepping stone
prank
theft
fire, explosion such as
i choose not to use the car insurance and not a large amount of car repair bill, and also in the case of any accident. or are not counted in the number of accidents in this way, such as property and casualty insurance companies and insurance agency will make sure you always check because some of the deferment would be treated.

will explain why the grade up or even if there is no auto insurance accident concretely on the next page! >>

a different rate class model

there is no class mean rates are fixed.

rates before liberalization class of vehicle insurance (1~9class) part of the basic rates and otherwise (according to the displacementA~Cclass) was divided into, recently, another class rates has become the mainstream model. more specifically, for example is as follows:.
interpersonal (1~9class)
objective (1~9class)
injury (1~9class)
vehicle (1~9class)
(example) nissan elgrand typeE511 heisei21rates of the second half of class

is not this what the class rates are fixed however. has been revised, such as referring to the overall accident rate that is riding on the car of this type.

incidentally, the above is the elgrand, 1years ago (heisei20years) has to see the class as follows rates of.

class rates and injury rates of interpersonal class has been raised. the system also depends on the rank of grade nonfurito agreement and the results, 1that was higher car insurance premiums accident even if there is no year is not ariel.

remember this is the fact that instead of the vehicle determined by the type. same type in the elgrandNE51is compared to the previous year class rates only interpersonal1i only have one down, MNE51there is no change to the previous year.

you may also be a discount of more than car insurance discount of grade nonfurito of proceeds from the class rates may go up as well as decreases in this way.

it may also itself be revised premium rates, the plus or minus to or reflected in the auto insurance premiums that these also.

he had caused the accident does not cause that is (movement and car insurance is a different grade of nonfurito) it is just that the car insurance premium regardless of the moves.

point of property and casualty insurance from the guide today

there are auto insurance premiums go up even if there is no accident that. nonfurito grade of automobile insurance system and these, let the world know about the mechanism of calculating insurance premiums.

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