What types of car insurance should I generally purchase?

[MacAdalynn]

Car insurance includes the following items: 1. Compulsory Traffic Insurance: This type of insurance is mandatory, and all vehicle owners must purchase it. The only drawback is that the compensation amount is relatively small. 2. Third-Party Liability Insurance: This insurance serves as a supplement to Compulsory Traffic Insurance. Both provide compensation to third parties, but in the event of an accident, the payout is based on the policyholder's degree of responsibility. Many auto insurance policies include clauses for non-deductible coverage, where the insurer waives certain deductibles. 3. Vehicle Damage Insurance: This insurance covers the loss or damage to your own vehicle, but not all damages are covered. For example, standalone damage to glass, side mirrors, or tires (including rims) is not covered. Additionally, damages caused by earthquakes, drunk driving, or hit-and-run incidents are also not compensated by the insurer.

[Gray]

I just bought a car not long ago and got a headache when considering insurance. Generally, compulsory traffic insurance is a must—it's like a legal ticket; you can't drive without it. Among commercial insurances, vehicle damage insurance is super practical. If you encounter scratches or minor accidents, you can repair the car without feeling the pinch. Third-party liability insurance is also essential because compulsory insurance only covers the basic amount, which isn't enough for major losses. I also added passenger liability insurance to protect the safety of family and friends when they're in the car. The no-deductible insurance is quite good too, saving you from paying out of pocket after an accident. As for theft insurance, it depends on the area—if there are many thieves in the city center, it's worth buying. Overall, premiums start at over a thousand. Don’t be swayed by sales pitches; these are enough for beginners to drive with peace of mind.

[VonAsher]

Having driven for nearly a decade, I've gained solid insights about car insurance. The core is to purchase compulsory traffic insurance, which is a basic requirement—don't overlook it. For commercial insurance, vehicle damage insurance and third-party liability insurance are must-haves. I recommend setting the coverage for the latter at over one million to avoid being unable to afford compensation in case of hitting a luxury car. Passenger liability insurance is indispensable for family drivers, especially when shuttling kids. Additional coverage like no-deductible insurance gives me peace of mind by reducing out-of-pocket costs, while glass insurance proves useful in rainy areas. Don’t blindly opt for theft insurance unless your parking conditions are poor. Pricing depends on the vehicle's condition—new cars should prioritize damage coverage, whereas older ones should focus more on third-party liability. When choosing coverage, assess risk probability to avoid wasting money.

[Vargas]

There are only a few basic types of car insurance you need to purchase. Firstly, compulsory traffic insurance is mandatory and must be in place before driving. In commercial insurance, vehicle damage insurance covers your own car's damages, which is practical; third-party liability insurance supplements the compulsory insurance limit to handle major accidents. Passenger liability insurance is worth buying if you frequently carry passengers. The additional no-deductible insurance is hassle-free, eliminating the out-of-pocket portion. If the budget is tight, skip theft insurance or glass insurance; around a thousand yuan per year is sufficient for basic coverage. Drive safely, and just stick with these basic insurance types—don’t be fooled by add-ons.

[JamesonDella]

As a car owner who frequently travels with the family, comprehensive insurance is a must. Compulsory traffic insurance is the baseline, but it's not enough; commercial insurance is the key. Vehicle damage insurance covers repairs for your own car, ensuring peace of mind in case of an accident. Third-party liability insurance with higher coverage protects against significant expenses when compensating others for their losses. Passenger liability insurance is a must for me, safeguarding the entire family's safety, especially during long trips. The additional no-deductible coverage prevents out-of-pocket expenses, while glass insurance comes in handy in areas with many roadside trees. I skipped theft insurance since my parking is secure. The annual premium of over 2,000 yuan is worth it, and the choice depends on driving frequency and family size.

[KateFitz]

From an insurance perspective, the must-have car insurance items are: first, compulsory traffic insurance, which covers basic third-party liability. Second, commercial insurance, where vehicle damage insurance covers your own car's damages; third-party liability insurance supplements the compensation limit—I opt for high coverage to guard against unexpected losses; passenger liability insurance protects against passenger risks; and no-deductible insurance reduces out-of-pocket expenses. Additional options like glass insurance or spontaneous combustion insurance depend on the car's age—new cars can skip these. Premiums are determined by brand and region, with over a thousand being reasonable. Assess your driving habits when choosing insurance; prioritize safe daily driving, and this combination offers the most peace of mind.