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{block name="title"}二手车保费和新车一样吗-丫丫百科{/block}
{block name='description'}二手车保险跟新车不一样。
二手车保险不是按新车算的，在车险保障期内，被保险机动车过户，新车主重新投保车险，则无论是交强险，还是商业车险，都是回到基准保费按首年投保进行计算的，也就是没有任何优惠。二手车的车损险保额通常会因为使用年限的增加而有所降低，所以车损险的保费很显然也不会按照新车计算。
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<div class="qa_posi"><div class="c_center">您的位置：<a href="//www.tianyaya.cn">丫丫百科</a> > <a href="//www.tianyaya.cn/tuwen/qiche/">侃汽车</a> > <a href="https://www.tianyaya.cn/tuwen/16495063467092076365.html">二手车保费和新车一样吗</a></div></div>
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            <h1 class="tit" style="text-align: center;font-size: 28px;margin-top: 15px"><span>二手车保费和新车一样吗</span></h1>
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                <span>时间：2023-03-26</span>
                <span>来源：互联网公开数据整理或转载</span>
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                <p>二手车保险跟新车不一样。</p><p>二手车保险不是按新车算的，在车险保障期内，被保险机动车过户，新车主重新投保车险，则无论是交强险，还是商业车险，都是回到基准保费按首年投保进行计算的，也就是没有任何优惠。二手车的车损险保额通常会因为使用年限的增加而有所降低，所以车损险的保费很显然也不会按照新车计算。</p><p>车险分为交强险和商业车险，如果是交强险的话，若二手车过户时已到期，或原车主将交强险退保，则新车主需要重新投保交强险，保费也就和新车一样；若原车主是将交强险过户给新车主，则交强险无需重新计算，也就是说跟新车保费不一样。如果是商业车险的话，那么二手车的保费还需要保险公司重新核算，因为二手车和新车的价值不一样。</p><p>商业车险</p><p>车损险</p><p>二手车过户</p>            </div>
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