Car insurance premiums are calculated based on various risk factors, such as coverage, age of the policyholder, and accident risk.
Based on insurance premium examples in Zurich, we will explain the market rates (average) for insurance premium examples by age (20s, 30s, 40s, 50s), vehicle type, grade 6 new, grade 20, etc. increase.
point
- Statistics show that younger people are at higher risk of having an accident, so insurance premiums are higher.
- Insurance premiums are determined based on the degree of risk of an accident, and are called “risk subtypes.”
- In general, people with high accident risk pay higher premiums, and people with low accident risk pay lower premiums.
List of car insurance premium rates (average) by age
This is an example of the market (average) of automobile insurance premiums for those in their 20s, 30s, 40s, 50s, and 60s who switch to Zurich from another insurance company.
Please refer to your contract details and insurance premiums.
| Age of starting date of named insured person | With vehicle insurance |
|---|---|
| 20’s | 75,630 yen |
| 30’s | 36,030 yen |
| Forties | 38,990 yen |
| fifties | 31,650 yen |
High insurance premiums mean that you are more likely to have an accident or cause an accident, so please be careful when driving.
Car insurance premium example for people in their 20s
Transferring to Zurich from another company
Notebook (E12)
-
- Example of annual premium
- 92,990 yen
-
- age
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25 years old
-
- residence
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Kumamoto
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- mileage
-
Over 5,000km and
up to 10,000km
-
- grade
-
7 grade
-
- vehicle insurance
-
- Vehicle insurance (limited coverage type)
Recently, there are ways to reduce insurance premiums, such as taking over grades from relatives, so be sure to check carefully before choosing insurance.
Example car insurance premiums for people in their 30s
Tanto (LA660S)
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- Example of annual premium
- 36,580 yen
-
- age
-
35 years old
-
- residence
-
Tokyo
-
- mileage
-
3,000km or less
-
- grade
-
17th grade
-
- Supplemental compensation (add freely)
-
- Vehicle insurance (wide cover type)
- Special contract for personal items in the car
Example car insurance premiums for people in their 40s
Transferring to Zurich from another company
Aqua (NHP10)
-
- Example of annual premium
- 37,210 yen
-
- age
-
47 years old
-
- residence
-
Fukuoka
-
- mileage
-
Over 5,000km and
up to 10,000km
-
- grade
-
18th grade
-
- vehicle insurance
-
- Vehicle insurance (limited coverage type)
Click here for contract details and detailed conditions
Example car insurance premiums for people in their 50s
Transferring to Zurich from another company
Prius (ZVW52)
-
- Example of annual premium
- 28,310 yen
-
- age
-
56 years old
-
- residence
-
Tokyo
-
- mileage
-
Over 5,000km and
up to 10,000km
-
- grade
-
20 grade
-
- vehicle insurance
-
- Vehicle insurance (limited coverage type)
Zurich car insurance
If you apply online,
Up to 21,000 yen discount for the first year
- Internet discount (maximum 20,000 yen), e-wari (maximum 500 yen), early bird discount (maximum 500 yen). Click here for details on various discount items .
- The “Internet discount” will not be applied if you make the procedure by phone.
Example of insurance premiums for first-time car insurance (grade 6)
In addition, insurance premiums are higher due to statistics that younger people are more likely to have an accident than other age groups when signing up for car insurance for the first time.
When you take out car insurance for the first time, you usually start from grade 6.
Below is an example of Zurich insurance premiums for grade 6.
Notebook (E12)
-
- Example of annual premium
- 38,490 yen
-
- age
-
31 years old
-
- residence
-
Osaka
-
- mileage
-
3,000km or less
5,000km or less
-
- grade
-
6 grade
-
- Supplemental compensation (add freely)
-
- Vehicle insurance (wide cover type)
20 grade insurance premium example
If you do not use the insurance for one year, your grade will increase when you renew your annual contract the following year.
Grade 20 can be reached if you do not cause an accident that will receive insurance payment for a minimum of 14 years.
Below is an example of a 20 class Zurich insurance premium.
Prius (ZVW55)
-
- Example of annual premium
- 29,930 yen
-
- age
-
45 years old
-
- residence
-
Tokyo
-
- mileage
-
3,000km or less
5,000km or less
-
- grade
-
20 grade
-
- Supplemental compensation (add freely)
-
- Vehicle insurance (wide cover type)
- Special contract for attorney fees
- Substitute car provision special contract
How are car insurance premiums determined?
Auto insurance premiums are determined by many factors. At the center of this is the risk of an accident.
If the policyholder causes an accident, the insurance company will pay the insurance claim. Insurers therefore assess the risk on a number of different items.
High risk of being in an accident = High possibility of paying insurance = High premium Low
risk of being in an accident = Low possibility of paying insurance = Low premium
This is called a “risk subtype”.
Insurance premiums vary depending on the risk of being involved in an accident. Therefore, the amount varies depending on the vehicle type, age, and usage conditions.
summary
Statistics show that younger people are more likely to be involved in car accidents. As a result, insurance premiums are higher for young people.
Insurance premiums are calculated based on the degree of risk of an accident, and this is called a “risk segmentation type.”
In the “risk segmentation type”, the higher the risk of an accident, the higher the insurance premium.
Drive safely and avoid accidents as much as possible.
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Auto Insurance Frequently Asked Questions
A.When you take out car insurance for the first time, you usually start from grade 6.
In addition, insurance premiums are higher due to statistics that younger people are more likely to have an accident than other age groups when signing up for car insurance for the first time.
Frequently asked questions about Zurich
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Can insurance premiums go up even if there are no accidents?
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Will my insurance premiums go down if I continue without an accident?
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What is the premium difference with CM?
*Unless otherwise specified, the content of this article is not a Zurich insurance product, but a general insurance product description.
*Regarding Zurich auto insurance The details regarding Zurich
auto insurance introduced in this article may not be applicable to the contracted customer, depending on the policy start date and contract conditions.
Please be sure to check the customer’s insurance policy, contract, description of important matters, etc.