How to Get the Most Cost-Effective Car Insurance?

2 Answers
DelTaylor
07/24/25 4:30am
How to get the most cost-effective car insurance? The basic types of car insurance are: vehicle damage insurance and third-party liability insurance. In addition to compulsory traffic insurance and vehicle and vessel tax, which are mandatory, the configuration of car insurance is directly related to the vehicle itself and the driver's habits. First, regarding the vehicle, if it is a new car, it is recommended to add comprehensive theft insurance on top of purchasing vehicle damage insurance, third-party liability insurance, and passenger insurance, as new cars are at a higher risk of theft than used ones. It is also advisable to have third-party liability insurance coverage of at least 300,000 RMB, and vehicle damage insurance is a must. According to relevant road traffic laws, vehicles cannot be driven on the road without vehicle damage insurance and third-party liability insurance. In summary, motor vehicle insurance is a measure to anticipate and transfer potential risks. If you are unsure, it is best to purchase comprehensive insurance.
Was this review help?
11
1
Share
DiLeo
08/11/25 12:06am
As a veteran driver with ten years of experience, I deeply understand the importance of comparing auto insurance options for the best deals. Don't just look at advertised prices—visit multiple insurance company websites or apps and input the same vehicle details to see the price differences, which can sometimes save you hundreds or even thousands. I recommend increasing your deductible to a level you can afford, such as from 1,000 to 2,000 yuan, which can significantly lower your premium. However, make sure you have some emergency savings set aside just in case. Taking advantage of discounts is crucial—installing a GPS anti-theft device, maintaining a safe driving record, or bundling with home insurance can all qualify you for discounts. New cars are better off with comprehensive coverage for peace of mind, while older cars can save money with just compulsory traffic insurance and third-party liability coverage. Before renewing your policy each year, shop around and consider switching providers to avoid price hikes from loyalty. Remember, a good deal isn't just about saving money—it's about having sufficient coverage to avoid major losses in case of an accident. Striking this balance makes the time spent well worth it.
Was this review help?
2
0
Share
Expand All
More Forum Discussions

How to Remove Car Decals?

Apply a hot towel to the decal for a while, and it can be easily removed. Heat the decal with a hot towel or a hair dryer, then peel it off evenly with force. If there is any residual adhesive left, use a professional adhesive remover to eliminate the adhesive layer.
19
4
Share

What is the penalty for a car without a fire extinguisher?

The penalty for a car without a fire extinguisher is a fine, with no points deducted. According to the regulations on road traffic safety laws and regulations for motor vehicle drivers, a warning or a fine should be imposed.
16
5
Share

What to Do When Car Parts Rust?

Minor rust can be removed by using very fine water sandpaper to sand off the rust, then applying car paint, letting it air dry, and sanding it again with water sandpaper. For slight rust, gently pressing the brakes a few times can help remove the rust. If the rust is deeper, it is advisable to visit a repair shop for rust removal and possibly replacing the brake pads. For rust on the chassis, it is best to go to a professional repair shop for treatment. To prevent rust on the chassis, installing a chassis armor can be an effective preventive measure.
15
0
Share

What is the height requirement for Kawasaki Ninja 400?

A tester with a height of 168cm can easily place both feet on the ground. Below is the relevant introduction: Improved comfort: The seat uses a slow-rebound material and is 50% thicker to enhance comfort, while also being narrowed by 30mm for better support. The overall height of the vehicle is not high, and the lower seat height also reduces the footpeg height, preventing the legs from feeling cramped during riding. The Ninja 400 is designed with a greater emphasis on providing a good street riding experience and convenience. Body dimensions: Overall length 1990, overall width 710, overall height 1120, wheelbase 1370, seat height 785 (all in mm). Vehicle weight: 167kg.
9
3
Share

Can National III Vehicles Be Driven on the Road in Beijing in 2021?

2021 Beijing National III vehicles can be driven on the road. Here are the relevant details: National III passenger cars: Annual inspections follow the regular cycle, with one inspection per year for vehicles under 15 years old, and two inspections per year for those over 15 years old, until reaching 600,000 kilometers. However, since 2020, some first- and second-tier cities have fully implemented the National VI standard, imposing traffic restrictions on National III emission vehicles within urban areas, further limiting their movement. Approval implementation date: Starting one year after the specified type approval implementation date, all manufactured, sold, and registered motorcycles and mopeds must comply with the above emission standard requirements.
7
2
Share

How to Install a GPS Navigation System in a Car?

Pry open the edges of the storage box trim panel and remove it. Unscrew the screws under the storage box and use a pry tool to remove the decorative strip. Use a Phillips screwdriver to unscrew the screws on the central control panel. Support the main unit with both hands and remove it. Thread the dedicated power cable and DVD cable of the car navigation system through the middle of the two air vents and position the GPS antenna. Connect the main power and communication cables of the car navigation system, then connect the GPS antenna. Secure the car navigation system on top of the original CD main unit and tighten the fixing screws. Connect the DVD.
9
2
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.