How to Buy Auto Insurance?
3 Answers
Steps to purchase auto insurance are as follows: 1. Choose a reputable and qualified seller. 2. You can buy directly from an insurance company or opt for an auto dealer to handle the process. 3. There are two main types of auto insurance to consider. One is compulsory traffic insurance, which is mandatory by the state. The other is commercial insurance, which includes primary and additional coverage. Commercial insurance provides basic protection in case of an accident. The configuration of auto insurance is directly related to the vehicle itself and the driver's habits. Starting with the vehicle, if it's a new car, it's advisable to add comprehensive theft coverage on top of purchasing vehicle damage insurance, third-party liability insurance, and passenger insurance, as new cars are at higher risk of theft compared to older ones. As for additional coverage like glass insurance or water damage insurance, these can be selected based on the vehicle's operating region. Finally, when purchasing all types of insurance, make sure to include the 'no deductible' clause; otherwise, you will have to bear a portion of the costs regardless of the type of claim.
When I first bought car insurance, I compared prices on a mobile app, looking at several mainstream insurance companies for their prices and services. Compulsory traffic insurance is mandatory by law, while commercial insurance depends on personal needs: for new cars, it's recommended to get vehicle damage insurance to protect your own car, and third-party liability insurance to cover others just in case. I often purchase insurance on online platforms—it's fast, you can get the policy right after filling in the details, and there are often discounts like no-accident record benefits. Remember, those who drive less can opt for low-mileage plans to save money. Key reminder: check company reviews before buying, don’t just go for the cheapest option and overlook claim convenience. Finally, read the policy terms carefully once received to avoid disputes when making a claim.
As a first-time car insurance buyer, I started by researching online: compulsory insurance is a must, while commercial insurance options include third-party liability insurance and vehicle damage insurance. I recommend comparing quotes from multiple insurers, such as using one-click comparison tools on Alipay or car insurance platforms, rather than going directly to physical branches. I opted for 2 million in third-party liability coverage to protect against major accidents out of pocket. Additionally, a good driving record can earn you discounts, and fewer accidents mean lower premiums. After purchasing, save the policy on your phone for easy access. If your car is old, you might skip vehicle damage insurance, but don't forget passenger liability coverage to protect yourself and your passengers. The whole process takes about half an hour—don't hesitate to ask customer service if you have any questions.
