What Types of Car Insurance Are Reasonable to Purchase?

1 Answers
CourtneyLynn
07/25/25 12:18am
Generally, it is reasonable to purchase compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, and no-deductible insurance. Car insurance is divided into compulsory traffic insurance and commercial auto insurance. Compulsory traffic insurance is a mandatory vehicle insurance required by the state, with premiums uniformly regulated by the government. Commercial auto insurance comes in various types and can be purchased based on the actual needs of the car owner. If the vehicle has a lower value, it is recommended to configure compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, and no-deductible insurance. Theft insurance, passenger liability insurance, scratch insurance, and water damage insurance should be chosen based on the actual circumstances of the city or residential area. For higher-value vehicles, in addition to the mandatory compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, and no-deductible insurance, it is advisable to add standalone glass breakage insurance. Theft insurance, passenger liability insurance, scratch insurance, and water damage insurance can be purchased as needed.
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