What is needed for new car insurance?
2 Answers
New cars require compulsory insurance, which is a type of insurance mandated by the state. The role of car insurance: Purchasing car insurance provides financial compensation or cash reimbursement to the owner in case of accidents or other incidents involving the vehicle. Risk transfer is a crucial measure. By purchasing insurance, daily operational errors or unforeseen risks can be transferred to the insurance company, offering significant protection to the owner. The purpose of purchasing insurance: First, it can help avoid vehicle losses; second, it provides timely financial compensation in case of accidental damage to others; third, those who participate in insurance can receive many free insurance services, such as free roadside assistance, help with traffic accident handling, fuel discounts, etc.
I just bought a new car, and getting insurance is actually quite simple, but you need to prepare several things. The original purchase invoice is a must—without it, the insurance company won't accept your application. You should also bring a copy of your ID card for identity verification. A copy of the vehicle registration certificate or compliance certificate is also essential. When choosing the type of insurance, compulsory traffic insurance is legally required, while commercial insurance like theft insurance or third-party liability insurance can be selected based on your needs—don't waste money on unnecessary coverage. Personally, I recommend using an online app to apply; uploading documents is quick, and you can compare premiums. For example, younger drivers like me may have higher premiums, but a good safe driving record can earn discounts. It's best to get new car insurance early for peace of mind on the road—don't wait until you get your license plates. By the way, keep a copy of your policy for easy renewal later.
