Is it okay not to buy full coverage insurance for a new car?

1 Answers
NovaDella
07/30/25 4:48am
It is not mandatory to purchase full coverage insurance for the first year of a new car; you can buy insurance according to your needs. Typically, new cars are insured with full coverage because the combination of a new car and a new driver is prone to accidents. However, when renewing the insurance in the second year, many car owners will choose the insurance items based on their own needs. The following are optional commercial insurance items: 1. Vehicle damage insurance. 2. Third-party liability insurance. 3. Passenger liability insurance. 4. Glass breakage insurance. 5. Scratch insurance. 6. Theft insurance. 7. No-deductible insurance. 8. It is completely unnecessary to buy spontaneous combustion insurance for a new car; it is better to add spontaneous combustion insurance after a few years when the car is older.
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