Generally speaking, truck insurance is calculated based on tonnage. The vast majority of trucks also include frequently traveled routes. Different routes and different road conditions may affect the insurance coverage. The final cost of truck insurance. But generally speaking, the amount of truck insurance is more cost-effective than that of family cars, and the compensation is also more comprehensive. However, it should be noted that operating trucks do not need to be insured at double the cost. Therefore, when vehicle owners inquire about insurance for the new year, they can make a detailed analysis based on the dangers that occurred in the previous year. If the driving route changes, Be sure to communicate with the insurance company promptly.

In my country, all motor vehicles must purchase compulsory traffic insurance, and trucks are even more important. The current insurance limit of compulsory traffic insurance is 122,000 yuan, and the premium is 1,200-1,850 yuan. If you have not been insured for two years, you can get an additional 20% discount. In addition, you need to buy some commercial insurance. The first is about third-party liability insurance. If you are in a developed area, it is recommended to buy an insurance coverage of 300,000. If you are in an underdeveloped area, it is 200,000. In fact, there is not much difference in the premium between the two. The second is car damage. Once your vehicle is in an accident, you can claim compensation. Generally, the purchase amount is equal to the basic premium plus the product of the purchase price and the rate. The basic premium is generally around 280 yuan, and the purchase price is the bare car price plus purchase tax. The fee The rate is generally 1.088%, that is to say, car damage insurance = 280 + bare car price * 1.088%;

In addition, there is glass insurance. The environment in which trucks are used is relatively harsh, and the glass may often break, so buy insurance to protect it. The premium is very cheap and very practical; finally, the deductible insurance is not included, which is usually 20% of the third-party liability insurance. In the event of an accident, the person responsible does not have to bear the deductible part.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance