{"id":4378,"date":"2022-11-30T12:03:04","date_gmt":"2022-11-30T09:03:04","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4378"},"modified":"2022-11-30T12:08:58","modified_gmt":"2022-11-30T09:08:58","slug":"trafik-sigorta-fiyatlari","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/trafik-sigorta-fiyatlari\/","title":{"rendered":"Trafik Sigorta Fiyatlar\u0131"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4378\" class=\"elementor elementor-4378\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-42d2e1f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42d2e1f3\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f5d8532\" data-id=\"1f5d8532\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-52c93e52 elementor-widget elementor-widget-text-editor\" data-id=\"52c93e52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><b>Trafik sigortas\u0131<\/b>, yani zorunlu trafik sigortas\u0131 (bazen \u00fc\u00e7\u00fcnc\u00fc taraf sigortas\u0131 olarak da adland\u0131r\u0131l\u0131r), baz\u0131 trafik kazalar\u0131nda tazminat \u00f6denmesini sa\u011flayan sigortad\u0131r.<br>Motorlu Ta\u015f\u0131tlar Zorunlu Mali Sorumluluk Sigortas\u0131, bedensel ve maddi hasar konular\u0131n\u0131n yasal y\u00fcok\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc bar\u0131nd\u0131r\u0131r. Trafik sigortas\u0131 zorunlu sorumluluk sigortas\u0131d\u0131r ve ara\u00e7 kullan\u0131c\u0131lar\u0131na ya da ara\u00e7lara, yol a\u00e7abilecek olas\u0131 hasarlara kar\u015f\u0131 sigorta etmek i\u00e7in kullan\u0131l\u0131r. Trafikte kullan\u0131lan her ara\u00e7ta trafik sigortas\u0131 olmal\u0131 ve arac\u0131n as\u0131l sahibi trafik sigortas\u0131 yapt\u0131rmal\u0131d\u0131r. A\u015fa\u011f\u0131daki gibi durumlarda trafik sigortas\u0131 devreye girer:<br>\u2022 Sigortal\u0131 bir arac\u0131n ger\u00e7ekle\u015ftirdi\u011fi kaza sonucu yaralanan her birey, bireysel her yaralanma sonucunda tazminat alacakt\u0131r. Bu hem s\u00fcr\u00fcc\u00fcler hem de yolcular i\u00e7in ge\u00e7erli olacakt\u0131r.<br>\u2022 Arac\u0131n\u0131z ba\u015fka bir ara\u00e7los angeles kaza sonucu maddi hasara neden olursa, bu hasar trafik sigortas\u0131 taraf\u0131ndan \u00f6denecektir. Kazaya neden olduysan\u0131z, sigortan\u0131z hasar\u0131 telafi edecektir. E\u011fer \u00e7arpmay\u0131 ya\u015fad\u0131\u011f\u0131n\u0131z ki\u015fi kazadan sorumlu ise, bu ki\u015finin trafik sigortas\u0131 zarar\u0131 telafi edecektir.<br>\u2022 Motorlu ta\u015f\u0131ttan ba\u015fka bir \u015feyle (\u00f6rne\u011fin, bir sokak lambas\u0131) \u00e7arp\u0131\u015f\u0131rsan\u0131z, maddi hasar genellikle trafik sigortan\u0131z taraf\u0131ndan kar\u015f\u0131lan\u0131r.<br>\u2022 Ara\u00e7 Ba\u015f\u0131na Maddi Hasar<br>\u2022 Kaza Ba\u015f\u0131na Maddi Hasar<br>\u2022 Ki\u015fi Ba\u015f\u0131na Sa\u011fl\u0131okay Maliyeti<br>\u2022 Kaza Ba\u015f\u0131na Sa\u011fl\u0131ok Maliyeti<br>\u2022 Ki\u015fi Ba\u015f\u0131na \u00d6z\u00fcrl\u00fcl\u00fcokay ve \u00d6l\u00fcm<br>\u2022 Kazada Sakatl\u0131ok ve \u00d6l\u00fcm<br>Ayr\u0131ca trafik sigortas\u0131, olas\u0131 bir kazada hasar\u0131 \u00f6nlemek veya azaltmak amac\u0131yla zorunlu olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmakla birlikte, bu sigorta ayn\u0131 zamanda sigortal\u0131n\u0131n as\u0131ls\u0131z taleplere kar\u015f\u0131 savunulmas\u0131n\u0131 sa\u011flar ve T\u00fcrkiye s\u0131n\u0131rlar\u0131 i\u00e7inde ge\u00e7erlili\u011fini korur.<br>Trafik sigortas\u0131 arac\u0131n\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara zarar vermesi durumunda koruma sa\u011flarken, kaza durumunda, trafik sigortas\u0131 sizin ad\u0131n\u0131za \u00e7evreye, di\u011fer ara\u00e7lara, varl\u0131klara veya herhangi bir \u00fc\u00e7\u00fcnc\u00fc \u015fahsa ili\u015fkinfolk yaralanmaya neden olacak zararlar\u0131 tazmin edecektir. 2918 say\u0131l\u0131 Karayollar\u0131 Trafik Kanununa g\u00f6re ara\u00e7 sahiplerinin her y\u0131l d\u00fczenli olarak trafik sigortas\u0131 yapt\u0131rmas\u0131 zorunludur.<\/p>\n<p><h2>2<b>020 G\u00fcncel Trafik Sigorta Fiyatlar\u0131<\/b><\/h2>T\u00fcrkiye\u2019de bulunan ara\u00e7 sahiplerinin her y\u0131l yapt\u0131rmak zorunda oldu\u011fu trafik sa\u011fl\u0131okay sigortas\u0131, Nisan 2017 y\u0131l\u0131ndan itibaren tavan fiyat uygulamas\u0131yla belirlenmektedir. Tavan fiyat uygulamas\u0131n\u0131n i\u00e7inde tarife basamaklar\u0131na, illere ve t\u00fcm ara\u00e7 s\u0131n\u0131flar\u0131na g\u00f6re belirleme yap\u0131l\u0131rken, her ay belli oranlarda de\u011fi\u015fkenlik g\u00f6stermesi bekleniyor. Tavan fiyat uygulamas\u0131na ili\u015fkinfolk verilerde ilk ba\u015ftaki fiyatlara g\u00f6re her ay y\u00fczde 1 artmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcrken, bu four ay sonra de\u011fi\u015fkenlik g\u00f6sterdi. T\u00fcrkiye i\u00e7in tavan fiyat uygulamas\u0131 15 milyon ara\u00e7 sahibini ilgilendiriyorken hadi gelin 2020 y\u0131l\u0131na ait <b>g\u00fcncel trafik sigorta fiyatlar\u0131<\/b> \u015f\u00f6yle bir inceleyelim:<br>\u0130stanbul ilinin gerek n\u00fcfusu gerek ise ara\u00e7 say\u0131s\u0131n\u0131n fazla olmas\u0131 nedeni ile trafik sigorta fiyatlar\u0131 di\u011fer illere g\u00f6re y\u00fczde 6 fazla oldu\u011fu i\u00e7in, di\u011fer illerin tavan fiyat uygulamas\u0131 belirlenirken a\u015fa\u011f\u0131da yer alan \u0130stanbul iline ait tavan fiyatlar\u0131 incelenebilir.<br>\u0130stanbul \u0130line Ait Trafik Sigortas\u0131 Tavan Fiyatlar\u0131<\/p>\n<p>Ara\u00e7 T\u00fcr\u00fc 1.Basamak four.Basamak 7.Basamak<br>Otomobil 3.596 TL 1.438 TL 791 TL<br>Kamyonet 4.701 TL 1.880 TL 1.034 TL<br>Motosiklet 1.466 TL 586 TL 323 TL<br>Trakt\u00f6r 735 TL 294 TL 162 TL<br>Minib\u00fcs (10-17 koltuk) 6.318 TL 2.527 TL 1.390 TL<br>Kamyon 10.061 TL 4.0.5 TL 2.213 TL<br>\u00c7ekici sixteen.861 TL 6.744 TL 3.709 TL<br>Otob\u00fcs (19-30 koltuk) 9.Half TL 3.602 TL 1.981 TL<br>Taksi 9.308 TL three.723 TL 2.048 TL<br>\u0130\u015f Makinesi 3.0.5 TL 1.230 TL 676 TL<br>Otob\u00fcs (31 ve \u00fczeri koltuk) 22.310 TL 8.924 TL 4.908 TL<br>\u00d6zel Ama\u00e7l\u0131 Ara\u00e7 nine.803 TL 3.921 TL 2.157 TL<br>R\u00f6mork 2.032 TL 813 TL 385 TL<\/p>\n<p>Otomobil \u0130\u00e7in \u0130llere G\u00f6re Belirlenen Trafik Sigortas\u0131 Tavan Fiyatlar\u0131<\/p>\n<p>Hasar Basama\u011f\u0131 \u0130stanbul Ankara<br>Kocaeli<br>Bursa \u0130zmir<br>Yalova<br>Erzurum<br>Kayseri<br>1. Basamak 3.596 TL 3.494 TL 3.392 TL<br>2. Basamak 2.877 TL 2.795 TL 2.714 TL<br>3. Basamak 2.158 TL 2.096 TL 2.Half TL<br>4. Basamak 1.438 TL 1.398 TL 1.357 TL<br>5. Basamak 1.223 TL 1.188 TL 1.153 TL<br>6. Basamak 1.007 TL 978 TL 950 TL<br>7. Basamak 791 TL 769 TL 746 TL<\/p>\n<p>Tabloda g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fczere \u0130stanbul\u2019da fiyatlar y\u00fczde 6 civar\u0131nda seyrediyorken, Ankara, Bursa ve Kocaeli illerinde y\u00fczde 3 artt\u0131r\u0131ml\u0131 olarak belirleniyor. Di\u011fer illerin baz al\u0131nd\u0131\u011f\u0131 fiyat g\u00f6stergelerinde y\u00fczde 1 ve y\u00fczde five aras\u0131nda indirim yap\u0131l\u0131yor. Bir yandan tavan fiyat uygulamas\u0131na ili\u015fkin sigorta \u015firketleri rekabet\u00e7i bir politika izlediklerinden dolay\u0131 kendi fiyat de\u011fi\u015fkenliklerini ortaya koymaktad\u0131r.<br>Tavan fiyat uygulamas\u0131yla birlikte T\u00fcrkiye i\u00e7in trafik sigortas\u0131 kapsam\u0131 i\u00e7in verilen en y\u00fcksek teklif se\u00e7ene\u011fi tablo \u00fczerinden g\u00f6r\u00fclmektedir. Di\u011fer yandan rekabet anlay\u0131\u015f\u0131na devam eden ve prim politikas\u0131n\u0131 benimseyen sigorta \u015firketleri i\u00e7in tavan fiyat uygulamas\u0131 en \u00f6nemli etkendir. \u00c7\u00fcnk\u00fc sigorta \u015firketleri fiyat verebilece\u011fi d\u00fczeyleri ve primleri tavan fiyat \u00fczerinden belirliyor.<br>Trafik sigorta fiyatlar\u0131 ayl\u0131ok y\u00fczde 1 art\u0131\u015f bekleme d\u00fczeyinde \u00f6ng\u00f6r\u00fcl\u00fcyorken bu rakam, y\u00fczde 1.Five\u2019e \u00e7\u0131kar\u0131lmas\u0131 uygun g\u00f6r\u00fcld\u00fc. Ama bu art\u0131\u015f sigortac\u0131 bireylerin taleplerini kar\u015f\u0131layamamas\u0131 \u00fczerine 2018 y\u0131l\u0131nda bir kereye mahsus olacak \u015fekilde y\u00fczde 5\u2019lik bir zama tabii tutuldu. Bu zam oran\u0131n\u0131n ard\u0131ndan tavan fiyatlar\u0131na ek olarak her ay d\u00fczenli olarak y\u00fczde 1.Five fark eklenmeye devam etti. 2020 y\u0131l\u0131na ait g\u00fcncel bilgilendirmede ise, trafik sigorta fiyatlar\u0131na ili\u015ffamily y\u00fczde 1.Five zam d\u0131\u015f\u0131nda ba\u015fka bir zam yap\u0131lmayaca\u011f\u0131 kesinle\u015fti.<\/p>\n<p>\u0130llere G\u00f6re De\u011fi\u015fkenlik G\u00f6steren Trafik Sigortas\u0131 Tavan Fiyatlar\u0131<\/p>\n<p>\u0130ller \u0130ndirim Oran\u0131 Artt\u0131r\u0131m Oran\u0131<br>\u0130stanbul &#8211; %6<br>Kocaeli, Ankara, Bursa &#8211; %three<br>\u0130zmir, Yalova, Erzurum, Kayseri &#8211; &#8211;<br>Sakarya, D\u00fczce, Eski\u015fehir, Ordu, Trabzon, Tekirda\u011f, Bing\u00f6l, Rize, Adana, Samsun, Karab\u00fcok %1 <br>Denizli, Diyarbak\u0131r, Konya, Bayburt, ok\u0131r\u0131kkale, Giresun, Malatya, Antalya %2 <br>Erzincan, \u0130\u00e7el, Gaziantep, Elaz\u0131\u011f, Zonguldak, Sivas, Bolu, Siirt, Aksaray, \u00c7orum, Mu\u015f, Batman, Bilecik, Bitlis, ok\u0131r\u015fehir, I\u011fd\u0131r, G\u00fcm\u00fc\u015fhane, Artvin %3 <br>Nigde, Nev\u015fehir, Kahramanmara\u015f, \u00c7ank\u0131r\u0131, ok\u0131r\u0131klareli, U\u015fak, Van, Yozgat, Bart\u0131n, Karaman, Bal\u0131kesir, Edirne, Afyon, \u015e\u0131rnak, Amasya, A\u011fr\u0131, Manisa %4 <br>Ayd\u0131n, Tokat, Sinop, Isparta, Tunceli, \u00c7anakkale, Mardin, Hatay, Osmaniye, ok\u00fctahya, Mu\u011flos angeles, Kars, Kastamonu, Burdur, ad\u0131yaman, \u015eanl\u0131urfa, Ardahan, Hakkari, Kilis %five <\/p>\n<p>Kaza riski de\u011ferlendirilmesine ili\u015fkinfolk T\u00fcrkiye trafik sigortas\u0131 fiyatlar\u0131, 8 farkl\u0131 b\u00f6lgeye ayr\u0131larak prim ve indirim oranlar\u0131 belirleniyor. Yukar\u0131da tabloda g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fczere \u0130stanbul ili baz al\u0131nd\u0131\u011f\u0131nda, kaza riskinin en yo\u011fun oldu\u011fu b\u00f6lge olarak \u0130stanbul iline ait tavan fiyatlar y\u00fczde 6\u2019l\u0131ok prim artt\u0131r\u0131m\u0131 uygulanarak hesaplan\u0131yor.<\/p>\n<p><b>Trafik Sigortas\u0131 Hasars\u0131zl\u0131k \u0130ndirimi Oranlar\u0131<\/b><\/p>\n<p>Y\u0131l Basamak (Kademe) Hasars\u0131zl\u0131okay indirimi Prim art\u0131r\u0131m\u0131<br>Four 7 %forty five &#8211;<br>3 6 %30 &#8211;<br>2 five %15 &#8211;<br>1 4 &#8211; &#8211;<br>2 three &#8211; %50<br>3 2 &#8211; %100<br>4 1 &#8211; %a hundred and fifty<\/p>\n<p>Trafik sigorta fiyatlar\u0131n\u0131n belirlenmesine ili\u015fkin en \u00f6nemli etkenlerden biri olan basamak numaralar\u0131 yukar\u0131daki tabloda g\u00f6r\u00fclmektedir. A\u015fa\u011f\u0131daki a\u00e7\u0131klamalar 1 y\u0131l sigorta i\u00e7in ba\u015flang\u0131\u00e7 ve biti\u015f tarihleri aras\u0131nda s\u00fcre zarf\u0131n\u0131 g\u00f6stermekle birlikte, hasar durumu yani ki\u015finin haks\u0131z oldu\u011funu ifade ediyor. LHadi gelin tabloyu daha yak\u0131ndan inceleyelim:<br>\u2022 four. Basamak: Yeni trafi\u011fe \u00e7\u0131kmaya haz\u0131rlanan bir bireyin hasar basama\u011f\u0131 four.Basamaktan ba\u015flar.<br>\u2022 five. Basamak: 1. Y\u0131l\u0131 hasars\u0131z olarak ge\u00e7iren bir bireyin five.Basama\u011fa y\u00fckseli\u015f g\u00f6sterir.<br>\u2022 6. Basamak: 2. Y\u0131l\u0131 hasars\u0131z olarak ge\u00e7iren bir birey 6.Basama\u011fa y\u00fckseli\u015f g\u00f6sterir.<br>\u2022 7. Basamak: three. Y\u0131l\u0131 hasars\u0131z olarak ge\u00e7iren bir birey 7.Basama\u011fa y\u00fckselir.<br>\u2022 1. Y\u0131l\u0131 1 hasarla kapatan bir birey 3. Basama\u011fa, 2. Y\u0131l\u0131 1 hasarla kapatan bir birey 2. Basama\u011fa, 3. Y\u0131l\u0131 1 hasarla kapatan bir birey ise 1. Basama\u011fa d\u00fc\u015fer. Ayr\u0131ca 1 y\u0131l i\u00e7erisinde 2 kazas\u0131 bulunan bir birey 2 basamak, three kazas\u0131 bulunan bir birey three basamak d\u00fc\u015fer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                            <\/div>\n        <\/section>\n        \t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Trafik sigortas\u0131, yani zorunlu trafik sigortas\u0131 (bazen \u00fc\u00e7\u00fcnc\u00fc taraf sigortas\u0131 olarak da adland\u0131r\u0131l\u0131r), baz\u0131 trafik kazalar\u0131nda tazminat \u00f6denmesini sa\u011flayan sigortad\u0131r.Motorlu Ta\u015f\u0131tlar Zorunlu Mali Sorumluluk Sigortas\u0131, bedensel ve maddi hasar konular\u0131n\u0131n yasal y\u00fcok\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc bar\u0131nd\u0131r\u0131r. Trafik sigortas\u0131 zorunlu sorumluluk sigortas\u0131d\u0131r ve ara\u00e7 kullan\u0131c\u0131lar\u0131na ya da ara\u00e7lara, yol a\u00e7abilecek olas\u0131 hasarlara kar\u015f\u0131 sigorta etmek i\u00e7in kullan\u0131l\u0131r. Trafikte kullan\u0131lan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,24],"tags":[],"class_list":["post-4378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-tasit"],"_links":{"self":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/comments?post=4378"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4378\/revisions"}],"predecessor-version":[{"id":4384,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4378\/revisions\/4384"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4380"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4378"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}