What types of car insurance should I generally purchase?

[Felicity]

For passenger cars, the main types of insurance that need to be purchased include the following: 1. Compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, full vehicle theft insurance, onboard liability insurance, no-fault liability insurance, falling object liability insurance, scratch insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, equipment loss insurance, no-deductible special coverage, 4S shop specialized repair insurance, etc. 2. Extension: Car insurance is mainly divided into two types: compulsory traffic insurance and commercial auto insurance. Compulsory traffic insurance is a mandatory type of insurance required by the state, while commercial auto insurance can be purchased according to the actual needs of the car owner.

[DiAriel]

I think these types of car insurance are the most practical to buy. Compulsory traffic insurance is mandatory by the state, so you must purchase it; otherwise, your car can't be driven on the road. For commercial insurance, I recommend third-party liability insurance, preferably with a coverage of over 1 million, so you can afford compensation if you accidentally hit someone. Then there's vehicle damage insurance, especially for new cars, as repair costs are high, and buying it avoids paying out of pocket. Also, theft insurance is worth considering—car thieves aren't common nowadays, but it's good to be prepared. Other options like glass breakage insurance and body scratch insurance depend on your car's condition; older cars might not need them. From my experience, zero deductible insurance is also important, as it reduces the portion you have to bear. In short, don't skimp on insurance—you'll regret it when an accident happens. Last time, a minor scrape was fully covered by my insurance.

[WilliamLynn]

When I first bought a car, I was also confused about which car insurance policies to get. Compulsory traffic insurance is the basic one and can't be skipped. Then, third-party liability insurance is the most worthwhile—it covers accidents where you hit others or their property. I initially insured for 500,000 but felt it wasn't enough, so I increased it to 1 million for more peace of mind. As for vehicle damage insurance, it depends on the situation—new cars must have it, but older cars in good condition might skip it. Theft insurance? I rarely buy it in safer cities, but I've heard it's necessary in areas with high car theft rates. Additionally, glass and scratch insurance are quite practical, especially if parking conditions are poor, to protect windows and the car body. Overall, I recommend beginners start with compulsory, third-party, and one basic insurance type, then gradually add more based on needs—saving money while staying safe.

[Alves]

Let me talk about car insurance from a family perspective. Compulsory traffic insurance is a must, otherwise it's illegal. Among commercial insurances, third-party liability insurance is indispensable in case of accidents that could result in sky-high medical compensation for others. As for vehicle damage insurance, it depends on the budget – you can skip it if under financial pressure. My family didn't buy it for our old car, opting for self-repairs to save money. Theft insurance isn't very practical nowadays with widespread residential surveillance. Minor coverages like glass and scratch insurance can be omitted, though paying a few hundred for unexpected repairs can be annoying. The key is not to overspend on unnecessary coverage. My principle is to insure against major risks, such as opting for higher coverage in third-party liability insurance, and adding other insurances as needed, balancing safety and expenses.

[DelEloise]

As a car enthusiast, I've researched insurance options. Compulsory traffic insurance is a must. For commercial insurance, third-party liability coverage is highly recommended as it addresses the most common source of major claims in accidents - I suggest starting with 2 million coverage. Comprehensive coverage depends on the vehicle model; it's worth getting for performance cars or new vehicles with expensive repairs. Theft insurance is essential for luxury cars, though I skipped it due to good community security. Additionally, zero deductible coverage is extremely valuable as it waives the policyholder's portion. Fancy add-ons like wiper blade insurance can be skipped. The key is tailoring to driving habits - I added windshield coverage for frequent long trips. The summary is: focus on core coverage.

[DelAthena]

I'm talking about car insurance from a safety perspective. Compulsory traffic insurance is the baseline and must be purchased. I always opt for third-party liability insurance plus vehicle damage insurance to cover my own car and others' losses, reducing out-of-pocket expenses in case of accidents. Although the car theft rate is low, theft insurance is still essential because it's troublesome if it happens, so I include it. I also add glass insurance and scratch insurance to guard against minor accidents—these are low-cost and provide peace of mind. Non-deductible insurance ensures full compensation. I believe insurance is not an area to skimp on—risks are everywhere. My neighbor relied entirely on insurance to get through their last accident. Beginners can start by securing these three basics and gradually expand to full coverage.