If you are living in Japan and own a car, then you might have heard of the term 保険 車両 等級 or hoken sharyo tokkyu. It is a system that determines how much you need to pay for your car insurance premium. The system is based on the driver's experience, accident history, and the type of car they own.
Why is 保険 車両 等級 important?
Having a good 保険 車両 等級 means that you will pay a lower insurance premium. On the other hand, if you have a bad 保険 車両 等級, then you will have to pay a higher premium. Therefore, it is important to understand how the system works and how you can improve your 保険 車両 等級.
How does 保険 車両 等級 work?
The system is based on a scale of 20 levels, with level 1 being the best and level 20 being the worst. Most drivers start at level 10, and their level is adjusted based on their driving history. If you have been in an accident or received a traffic violation, then your level will be adjusted accordingly. If you have a clean driving record, then your level will be adjusted in a positive way.
How can you improve your 保険 車両 等級?
There are several ways to improve your 保険 車両 等級. The first and most obvious way is to maintain a clean driving record. Avoid accidents and traffic violations as much as possible. The longer you can maintain a clean driving record, the better your 保険 車両 等級 will be. Another way to improve your 保険 車両 等級 is to take a safe driving course. Many insurance companies offer discounts to drivers who have completed a safe driving course. This can also help you become a better driver and reduce the risk of accidents.
What types of cars have high 保険 車両 等級?
Cars that are expensive to repair or have a high risk of theft typically have a higher 保険 車両 等級. Sports cars, luxury cars, and SUVs are all examples of cars that can have a high 保険 車両 等級. On the other hand, smaller cars or cars with good safety ratings tend to have a lower 保険 車両 等級.
When should you check your 保険 車両 等級?
It is important to check your 保険 車両 等級 every year when you renew your car insurance. If you have had a clean driving record and have not had any accidents, then your level may have improved. On the other hand, if you have had an accident or received a traffic violation, then your level may have gone down.
What happens if you have a bad 保険 車両 等級?
If you have a bad 保険 車両 等級, then you will have to pay a higher insurance premium. However, there are still ways to reduce your premium. You can shop around and compare insurance rates from different companies. You can also consider raising your deductible or reducing your coverage to save money.
Can you transfer your 保険 車両 等級?
If you sell your car and buy a new one, then you can transfer your 保険 車両 等級 to your new car. However, if you stop driving for a period of time, then your level may be reset to 10 when you start driving again.
Conclusion
Understanding 保険 車両 等級 is important for every car owner in Japan. It can help you save money on your insurance premium and make you a better driver. Remember to maintain a clean driving record, take a safe driving course, and compare insurance rates to get the best deal.
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