Does the car owner need to be present to purchase car insurance?

[DeEmily]

You can go in person or have someone else pay on your behalf. Here is relevant information: 1. Components: Car insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers losses to your own vehicle; third-party liability insurance covers targets outside your own vehicle, such as people and public property you hit, or the other party's car, etc.; passenger liability insurance covers personal and property losses of people in your own vehicle; theft insurance covers compensation when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. If no-deductible coverage is not purchased, you will bear 30% of the deductible for each accident.

[LilahAnn]

You generally don't need to personally go to buy car insurance. As a working professional who drives regularly, I can tell you the process is very convenient now. Last time when I was busy on a business trip, I just had my wife bring copies of my ID card, vehicle license, and car information to the insurance company to get it done. It only took her ten minutes, and the agent didn't ask many questions as long as the documents were complete. If you're short on time, you can also handle it through a mobile app or website—just upload photos of your documents, enter the vehicle number, and the system will automatically review everything, which is very convenient. However, I recommend preparing a simple authorization letter before delegating the task to someone else to avoid disputes. Premium payments can also be made by someone else without major issues. In short, buying car insurance is very flexible—just focus on the policy terms and choose appropriate coverage. Don't overlook details just to save time; compare the services and prices of several companies to ensure you don't get a bad deal. This method also applies when renewing your insurance regularly.

[Reed]

As a parent of two children, I often handle household chores including car insurance. I remember when buying insurance for a new car, I didn't have time to go in person because the kids were sick and needed care. My wife went to the insurance company with a copy of my ID and the vehicle registration, and she managed to get it done. The service staff were quite patient and didn't insist on my presence. Some friends recommended buying online for more convenience. I tried it by entering my information on a platform and placing an order. There was a video verification option, but it wasn't mandatory. When using a proxy, it's best to choose someone trustworthy, like a relative, and bring a clear authorization letter to avoid information mix-ups. Premiums can be paid in cash or by transfer. The insurance company's system is very smooth. Overall, the process is quite user-friendly. Don't forget to understand the deductible and coverage to ensure safe family trips. Saving money and time is what really matters.

[LeSteven]

I often use my phone to handle car insurance without needing to go in person. Just enter the vehicle information on the online platform, upload a photo of the driver's license, and the purchase is done in minutes. The system processes everything automatically, making it very convenient. Nowadays, with advanced technology, insurance has gone digital. Last time, a friend helped me buy insurance without any issues—agents can easily handle the process, which is quick and secure. There are multiple payment options available, including bank cards, WeChat Pay, and Alipay. The key is to ensure all essential documents are accurately saved, especially the electronic policy, to avoid missing any information and prevent future hassles.