What types of car insurance should I generally purchase?
4 Answers
Generally, it is advisable to purchase compulsory traffic insurance, third-party liability insurance, passenger liability insurance, and no-deductible insurance. Car insurance mainly includes two types: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory by the state. In contrast, commercial car insurance is optional for car owners. Below are the insurances you need to purchase after buying a car: 1. Compulsory traffic insurance: This is a mandatory insurance required by the state. If not purchased, traffic police may impose fines upon inspection. This insurance provides limited compensation, mainly for others, and does not cover your own vehicle. 2. Third-party liability insurance: This is used to compensate for third-party personal injuries or fatalities caused by the car owner. It is essential to purchase this insurance as it provides protection for both yourself and others. 3. Vehicle damage insurance: This compensates for losses to your own vehicle caused by natural disasters and accidents. It is recommended for new drivers. 4. No-deductible insurance: This is an additional insurance that transfers the responsibility the car owner needs to bear to the insurance company, reducing the owner's losses. If you have purchased both vehicle damage insurance and third-party liability insurance, it is also advisable to purchase no-deductible insurance.
As someone who has been driving for over ten years, I think buying a few basic types of car insurance is sufficient. The first is compulsory traffic insurance, which is legally required and covers basic liability for traffic accidents. Next, third-party liability insurance is essential—it protects others' property and personal safety, especially in cases involving luxury cars or injuries, helping to avoid hefty compensation. I usually opt for coverage of 500,000 or 1 million, depending on the situation. Vehicle damage insurance is optional, especially for older cars where minor repairs aren’t expensive. I recommend adding no-deductible coverage to reduce the out-of-pocket portion of claims. Driving safely and following traffic rules can save you trouble and stress. Regularly reviewing insurance policies and comparing prices across companies can save money—don’t be swayed by unnecessary add-ons. When buying car insurance, pay attention to the deductible clauses to avoid low payouts in case of accidents. Overall, the basic trio—compulsory traffic insurance, third-party liability insurance, and optional vehicle damage or no-deductible coverage—is enough to cover everyday risks.
From my perspective, comprehensive car insurance is essential for peace of mind. Compulsory traffic insurance is the bare minimum and non-negotiable. Third-party liability coverage should have a high sum insured—I recommend opting for at least 1 million to ensure adequate compensation in case of major accidents. It's also wise to include vehicle damage insurance, especially for new cars or those frequently driven long distances, to protect your asset. Theft and glass coverage should be considered based on the vehicle's value—for example, SUVs with fragile windows may warrant it. Don’t skip the no-deductible coverage, as it increases the chance of full compensation. I also pay attention to natural disaster insurance; if you live in flood-prone southern regions, this extra protection is worthwhile. Don’t skimp too much on premiums—beyond safe driving, choose a reliable insurer with good claims service. Regularly review your policy and adjust coverage to match your car’s current condition. The core four—compulsory insurance, high-coverage third-party liability, vehicle damage insurance, and no-deductible coverage—will keep you secure on the road.
After driving for a long time, I prefer streamlined insurance. Compulsory traffic insurance is legally required and provides basic protection. Third-party liability insurance is a must, with a minimum coverage of 500,000 to handle accidental injuries to others. I usually skip comprehensive car insurance—my car is just a tool, and I drive carefully to avoid major accidents; minor repairs are inexpensive. It all depends on driving habits. For example, I mainly commute in the city, so the risk is low. Remember to check your insurance validity to avoid expiration hassles. Money-saving tip: Compare multiple insurers and avoid unnecessary add-ons like theft insurance. Honestly, compulsory insurance plus third-party liability is enough—with legal coverage, you can drive with peace of mind.
