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請問汽車保險問題?

Aug 8th 2013, 00:58

各位先進好
小弟有一台Toyota Altis 1.8J
2004年出廠
而保險早在3年前就改成
強制險..................................889
第三責任險-傷害險每一個人傷害:100萬........608
第三責任險-財損險每一意外事故之總額:200萬
每一意外事故之財損:30萬....974
駕駛人受酒類影響附加條款(同第三人責任險).....118
總共是.................................2589

但在今年卻調升為
強制險..................................889
第三責任險-傷害險每一個人傷害:100萬........809
第三責任險-財損險每一意外事故之總額:200萬
每一意外事故之財損:30萬....993
駕駛人受酒類影響附加條款(同第三人責任險).....135
總共是.................................2836

現在疑問的是同樣商品
卻因為每年而有所不同嗎?
我是保新光產物險
保險不是只要沒出事...就會調降嗎?
還是我認知錯誤?

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