What car insurance should you generally buy?

[AmeliaFitz]

The following are the types of car insurance that are generally purchased: 1. No-deductible special insurance: This type of car insurance usually has a clause stating that there is an absolute deductible rate. For example, if an accident occurs and the car owner is fully responsible, the highest deductible rate is generally 20%. If the repair cost is 20,000, the insurance company will pay 16,000, and the car owner bears 4,000. If this insurance is purchased, the car owner does not need to bear the remaining 4,000. 2. Vehicle damage insurance: Vehicle damage insurance is used to compensate for one's own losses. If your car is involved in an accident, these losses can be compensated by the insurance company through vehicle damage insurance. If the car owner purchases this insurance, they do not need to bear the cost of repairs, making it a very important insurance for the vehicle itself. Additionally, vehicle damage insurance includes accidental traffic accidents. 3. Third-party liability insurance: In the event of a traffic accident, if you are primarily at fault, third-party liability insurance can be very useful. 4. Compulsory traffic insurance: According to China's traffic regulations, cars are required to pay an annual fee, which is the compulsory traffic insurance. If you do not have compulsory traffic insurance, you will be fined and penalized if caught driving without it. Moreover, after purchasing compulsory traffic insurance, you will receive an insurance sticker that must be placed on the front windshield of the car. If it is not placed, you will also be fined and penalized.

[CamilaLee]

Having driven for over twenty years, I've compiled some practical car insurance purchasing advice. Compulsory traffic insurance is the basic coverage mandated by the state, with fixed compensation amounts, covering third-party bodily injuries. For commercial insurance, I highly recommend third-party liability coverage with at least 500,000 yuan in coverage—it's useful if you accidentally hit someone else's car or property, especially in cities with many luxury cars, to avoid being unable to afford the compensation. Vehicle damage insurance is worth getting if possible, covering your own car's repair costs, so you don't have to worry about minor scratches. The no-deductible coverage isn't expensive either—adding it means you won't pay the deductible when filing a claim. Theft insurance is worth considering in areas with poor security, such as unsafe parking lots. Based on personal experience, don't skimp on essential coverage to save money—safety comes first. Optional add-ons like glass insurance should be decided based on your actual driving environment.

[Stacey]

As a working professional with a limited budget, I focus on practicality when buying car insurance. Compulsory traffic insurance must be renewed every year, and for commercial insurance, I only opt for the essential third-party liability coverage, with a sum insured of 300,000 to 500,000 yuan, which is sufficient for daily accidents. Passenger liability insurance is a bonus, protecting the safety of myself or passengers. Vehicle damage insurance is a must for new cars, but for older cars that have been used for seven or eight years, it's unnecessary. I generally avoid other additional insurances, such as natural disaster or glass insurance, as saving money is better. When purchasing insurance, it's important to compare options; online platforms often offer discounts, which can save up to 10% on premiums. The key is to carefully read the terms to avoid pitfalls and familiarize yourself with the claims process in advance for peace of mind.

[Val]

With children and elderly at home, driving safety is my top priority. I focus on insurance that protects people, with compulsory traffic insurance as the baseline to cover others' losses. Commercial third-party liability insurance is the most essential, with higher coverage to prevent financial burden from injury compensation. I always add passenger liability insurance to protect myself and passengers in case of accidents. Comprehensive car insurance depends on the vehicle condition and is worthwhile for frequent long-distance trips. Regularly assess needs and adjust to avoid redundant coverage and wasting money.

[DeCali]

As a car enthusiast, I pay meticulous attention to car insurance configuration. Compulsory traffic insurance is the foundation, while commercial insurance should focus on high-coverage third-party liability insurance to handle complex road conditions. Vehicle damage insurance covers comprehensive repairs, and no-deductible insurance saves hassle during claims. Additional coverage depends on personal needs: add glass insurance if frequently driving in mountainous areas, or theft insurance for poor overnight parking conditions. Natural disaster insurance is useful during hot weather. Choose insurers with good service reputations for faster claims processing. Customize packages based on driving habits rather than opting for all-inclusive plans.