Second hand car ownership transfer is to change the name of the owner of the vehicle. It is an important procedure that can not be omitted in the process of buying and selling second-hand cars. If the ownership of the vehicle is not transferred, it will bring inconvenience to both parties. Will the first-year insurance of second-hand car be discounted? What should be paid attention to when buying a second-hand car? Now let's take a look.
There is no discount for the first year insurance of second-hand cars.
The price of compulsory insurance is the same as that of new car in the first year after the ownership transfer of second-hand car. Second hand car purchase in addition to apply to the vehicle management office for motor vehicle naturalization update, but also to the insurance transfer. Compulsory traffic insurance must be bought. Otherwise, the traffic police will not be subject to annual review and will even be fined for withholding the car. Commercial insurance is divided into third party insurance, such as vehicle damage insurance, passenger insurance and other additional insurance, which can be purchased voluntarily.
Extended information:
Note for car purchase:
First, inquire about the market price of a new car. Before buying a second-hand car, you should first know what brand and model the second-hand car is, and then inquire about the latest market price of the new car (this refers to the actual sales price of the new car, not the market guidance price of the new car). If there is no new car of the same model as the second-hand car you want to buy, you can take the new car of the same brand closest to the model as a reference.
Second, the depreciation rate is preliminarily estimated, and the calculation of vehicle age is based on the time when new vehicles are licensed. According to the empirical algorithm, the depreciation rates of new cars in the first five years are 15%, 12%, 10%, 8% and 7% respectively, while the annual depreciation rate of new cars can be calculated as 5% after five years. In addition, the delivery time of a new car may not be the licensing time.
Third, adjust the actual depreciation rate. Although we have some common rules to follow, there are still some situations where we can increase or decrease the depreciation rate of vehicles. For example, the appearance, mileage, and ownership of vehicles will affect the depreciation rate of vehicles. The range of depreciation rate will increase or decrease by about 1%.
The fourth step is to correct the deviation value of the car price and calculate the residual value of the second-hand car by setting the new car market price x depreciation rate.