What are the mandatory car insurances to purchase?

[VonGrace]

Car insurance must include compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, theft insurance, passenger liability insurance, scratch insurance, spontaneous combustion insurance, and water damage insurance. Below is some extended information about car insurance: 1. Compulsory Traffic Insurance: This is mandatory by the state. For vehicles with fewer than 7 seats, the first-year premium is usually 950, decreasing by ten percent annually, with a minimum of 655. If a claim is made, the premium resets to 950. Additionally, the vehicle and vessel tax is paid together with the compulsory traffic insurance: 240 yuan for engines below 1.0L and 420 yuan for those above 1.0L. 2. Commercial Insurance: This is optional and includes vehicle damage insurance, third-party liability, theft, spontaneous combustion, and passenger liability. Vehicle damage insurance can also include additional coverage such as separate glass breakage and body scratches!

[OMatteo]

When I first bought my car, my friend reminded me that I must purchase compulsory traffic insurance, saying it's the minimum legal coverage required, and driving without it would result in fines. I remember being really nervous at the time, afraid of forgetting the paperwork. In the end, I went to the insurance company and spent a few hundred yuan to get it done, which gave me peace of mind. Besides this mandatory insurance, I also added third-party liability insurance, so that in case I hit someone or another car, the compensation would be higher, avoiding out-of-pocket expenses. As a new driver, I believe insurance isn’t just about saving money—it’s about driving with peace of mind and reducing the risks of accidents. Routine maintenance is also related to insurance, as regular vehicle checks can lower the chances of accidents. In short, compulsory insurance is unavoidable; you need to get it done early to drive legally. Other types of insurance can be added based on personal needs, but don’t skip the essentials just to save money.

[LaTaylor]

As a mother of two, driving my kids around has become a daily routine, and I take insurance very seriously. The mandatory legal insurance is a must-have; otherwise, you could get into big trouble if caught by traffic police. I once heard about a neighbor who didn’t have full coverage and ended up paying thousands out of pocket for a minor scrape—it was heartbreaking. Every time I renew my policy, I make sure this essential coverage is prioritized. I also recommend adding passenger liability insurance, especially if you often have family in the car. If the budget allows, consider getting a no-deductible add-on to avoid disputes later. Insurance agents advise beginners not to skip this step—just handle it online or at a branch, and it’s done in half an hour. Safety comes first; protect yourself and your finances—don’t skimp on this small expense. And remember to check your policy’s expiration date to avoid unknowingly driving uninsured.

[LeJason]

Having driven for decades, I remember when there were fewer insurance options. Now regulations are stricter, and compulsory insurance must be fully purchased. Once I forgot to renew my insurance and got fined on the road—a lesson learned the hard way. This insurance covers basic accident compensation, preventing you from bearing all the risks. Now I renew it on time every year—the process is simple, and spending a few hundred bucks gives me peace of mind. Some friends think it's expensive and only buy the bare minimum, but I believe third-party liability insurance is also worth having. It doesn't cost much and provides extra protection. The vehicle itself needs maintenance too, and combining insurance with upkeep can reduce overall expenses. The key is to drive legally and avoid taking chances.

[DeMelanie]

Working part-time as a ride-hailing driver, I'm on the road almost every day, so insurance is a top priority. Compulsory traffic insurance is mandatory; without it, the platform will suspend orders and may impose penalties. My own car relies on this as a safety net, so minor incidents aren't a big worry. Since I often have passengers, I also added passenger liability insurance—it's worth the extra cost. I recommend private car owners do the same; even occasional passengers will be safer. Insurers often say the core is risk avoidance—don't just go for the minimum coverage, think about how much help it provides in a major accident. Regularly review your policy, adjust coverage, and match it to your current driving needs. More coverage means less anxiety.

[ZoeLee]

As a student on a tight budget for buying a car, I've learned that compulsory insurance is non-negotiable. The cost isn't too high—just a few hundred yuan a year—for legal road use and basic coverage. But this alone isn't enough; a major accident could be financially devastating, so I added third-party liability insurance. There are ways to save, like choosing combo packages or taking advantage of online insurance discounts. For maintenance, regular check-ups and preventive care can help avoid insurance mishaps. Young drivers shouldn't overlook this responsibility—get it sorted promptly.