Insurance premiums for running a red light will rise by 1,500 even if there is no risk. Insurance companies have become the strongest road judges.

Recently, when many car owners renewed their car insurance, they found that even if there was no accident record throughout the year, the premiums still increased significantly, ranging from a few hundred yuan to thousands of yuan.Traffic violations such as running a red light, speeding, and cutting traffic jams are becoming key causes of rising insurance premiums. Running a red light once may cost an additional 1,500 yuan in insurance premiums. Violations have become a "hidden fine" for car owners.

This is not a private price increase by insurance companies, but after the comprehensive reform of auto insurance, the traffic violation coefficient has been fully integrated into the pricing system. In March this year, the auto insurance system and traffic control data were connected nationwide. Violations in other places and insurance changes cannot be avoided. Violation records directly affect premium accounting.

There are clear standards for the increase in the traffic violation coefficient, and it is not an arbitrary price.

Shanghai stipulates that serious violations such as speeding by more than 50% and running a red light will increase by 10% for one time; Beijing is more relaxed for ordinary violations, running a red light and speeding three times will only increase by 5%, but serious speeding will increase by 15% for one time.

Shenzhen has stricter controls on drunk driving, and one-time drunk driving premiums will rise by 30%.

Even minor parking violations that do not result in penalty points may be included in the risk assessment as long as there are records in the system, and insurance may be denied for repeated violations.

The premium accounting logic has been completely changed. The final premium is determined by the base premium, the no-compensation preferential treatment coefficient, the traffic violation coefficient, and the independent pricing coefficient.

Violations bring double costs of "traffic police fines + rising premiums." The price increases for luxury cars and new energy vehicles are even more obvious due to high benchmark premiums for violations.

However, this mechanism has clear rewards and punishments. If you have not violated any traffic regulations for one consecutive year, you can enjoy a 10% discount on the premium. If you have not had any accidents for many years, you can get a discount of up to 40% or 50% off.

The essence of this model is risk consideration, using market-oriented means to force driving to be standardized and reduce the risk of accidents and claims.

In the future, auto insurance pricing will be more accurate, and UBI insurance based on driving behavior will gradually become more popular.Vehicle acceleration and deceleration, night driving and other behaviors will affect insurance premiums. Driving carefully is the most economical way to use a car.