Automobile insurance innovation was carried out formally on january 1 , 2003 , and insurance companies have their own rights to establish insurance clause and premium tariff system from then on 2003年1月1日，我国正式实行机动车辆保险改革，赋予各保险公司自行制定车险条款费率体系的权利。
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By the impact of both financial deregulation and the commitment of chinese government made to other countries , the abolishment of premium tariff and introduction of competition mechanism is a necessary choice 作为金融开放和对外承诺的一部分，中国车险费率打破“大一统”体制，引入竞争机制，也是必然的选择。
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