What Types of Auto Insurance Are Most Suitable to Purchase?
3 Answers
The configuration of auto insurance is directly related to the vehicle itself and the driver's habits. Although there are many types of auto insurance on the market, for most car owners, compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, and no-deductible insurance are the most recommended. Specific recommendations are as follows: 1. For new cars, it is advisable to add comprehensive theft insurance on top of purchasing vehicle damage insurance, third-party liability insurance, and passenger liability insurance, as new cars are at a higher risk of theft compared to used cars. Additional coverages like glass insurance and water damage insurance can be selected based on the vehicle's operating region. Finally, it is recommended to include no-deductible coverage for all insurance types; otherwise, the policyholder will have to bear a portion of the costs regardless of the claim type. 2. Novice drivers generally experience fewer major accidents due to their cautious driving habits compared to experienced drivers, but minor scratches and dents may occur frequently. It is suggested to have third-party liability insurance coverage of at least 300,000 yuan, and vehicle damage insurance is also essential. However, when filing claims, note that the more claims made within a natural insurance year, the higher the premium for the following year. If claims exceed three times, some companies may refuse to underwrite commercial insurance for the vehicle, so it is important to plan claim filings appropriately.
As a new driver who hasn't been driving for long, I've done a lot of research and think it's important to choose practical car insurance. Compulsory traffic insurance is mandatory, no way around that. Third-party liability insurance is what I value most, and I recommend setting the coverage no lower than 2 million. If you accidentally hit someone, high coverage can protect you from financial ruin. Don't skip vehicle damage insurance either—it protects your own car, so repairs won't hurt your wallet in case of an accident. Also, adding no-deductible coverage is a smart move to eliminate out-of-pocket expenses. From my experience, premiums might be higher for young drivers, but compared to the risks, it's safer to go all-in. Oh, and make sure to compare quotes from multiple insurance companies before making a decision—don't rush into it.
For someone like me who drives kids to and from school every day, safety is always the top priority. Compulsory traffic insurance is a must, and the coverage for third-party liability insurance should be as high as possible to prevent accidental injuries. I particularly like the passenger liability insurance, which covers medical expenses for both the driver and passengers, giving me peace of mind when driving with family. I also recommend adding glass or scratch insurance, as parking in the city often leads to minor scrapes. Don’t forget to consider regional factors—slippery roads in snowy northern areas mean extra coverage equals less worry. Don’t skimp on premiums; choose a reliable company with good service so you’re not left scrambling when something happens. When calculating premiums, a good driving record can get you a discount—give it a try.
