车险出险后理赔,对续保的保费影响有多大,怎样才能更划算,我们一步步拆解保费计算规则,就能有一个大致的判断了。
也可以搜索一些工具模拟计算
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/c995d143ad4bd113073ce5a848afa40f4afb05b2?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/43a7d933c895d143df87b6b961f082025baf07b2?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
车险保费=交强险保费+商业险保费
交强保费=基础保费×交强险费率浮动系数
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/8435e5dde71190ef670bc045dc1b9d16fcfa60b3?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/838ba61ea8d3fd1f7bf9f0a0224e251f94ca5fb3?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
商业车险保费=基准保费×费率调整系数
基准保费=基准纯风险保费/(1-附加费用率)
其中,基准纯风险保费为投保各主险与附加险基准纯风险保费之和
各主险与附加险基准纯风险保费由中国精算师协会统一制定,定期发布于《机动车商业保险示范产品基准纯风险保费表(2020版)》
费率调整系数=无赔款优待系数×交通违法系数×自主定价系数
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/1f178a82b9014a907dce1427bb773912b21beebc?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/6f061d950a7b0208d2396d7b70d9f2d3562cc8bc?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/a8ec8a13632762d044cef625b2ec08fa503dc6bc?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)
![](https://video.ask-data.xyz/img.php?b=https://iknow-pic.cdn.bcebos.com/730e0cf3d7ca7bcbc38b95b5ac096b63f724a8bc?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto)