What types of insurance do I need to buy for a car?

[AliviaLee]

You need to buy the following types of insurance for a car: 1. Vehicle damage insurance; 2. Third-party liability insurance; 3. Passenger liability insurance; 4. Glass breakage insurance; 5. No-deductible insurance. Vehicle insurance, also known as motor insurance or car insurance, refers to a type of commercial insurance that provides compensation for personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a category of property insurance, and within the field of property insurance, car insurance is a relatively young type of coverage, as it emerged and developed alongside the invention and popularization of automobiles.

[DelHarper]

I just bought my first car and need to seriously consider insurance. Compulsory traffic insurance is a must—it's mandated by the state, and you'll be fined by traffic police if you don't have it. Next, third-party liability insurance is also crucial. If I accidentally hit someone else's car or person, it can cover the compensation costs. I opted for 1 million coverage for peace of mind. For a new car, it's advisable to get vehicle damage insurance to cover repair costs and avoid big expenses from minor accidents. If you park on the roadside often, adding theft insurance is a good precaution. Passenger liability insurance protects the safety of people in the car, and I chose higher coverage. Finally, scratch insurance is quite practical for minor scrapes in daily use. Overall, a comprehensive insurance package costs more but offers peace of mind. I compared several insurers and went with a major company's promotional offer. Regular vehicle inspections can also help lower premiums.

[Hunter]

As a family car, insurance should prioritize safety. Compulsory traffic insurance is definitely the foundation and cannot be skipped as it's legally required. I strongly recommend third-party liability insurance with a coverage of at least 500,000 to protect against financial risks in case of accidents. Vehicle damage insurance protects the car's value and is worth getting for new cars. Theft insurance depends on the parking environment—skip it if the neighborhood is safe. Increase the coverage for passenger liability insurance to ensure the safety of family members. Scratch insurance helps with minor repairs. It's advisable to tailor the coverage based on actual needs and not skip essential protections to save money. I update my insurance policy annually. Regular maintenance, such as checking tire pressure, can reduce accident risks and save on premiums. Choosing a reputable insurance company is key.

[SanStephanie]

Having driven for many years, I have extensive experience with car insurance. Compulsory traffic insurance is a must, so don't skimp on this expense. For commercial insurance, a moderate coverage amount for third-party liability insurance is sufficient. Vehicle damage insurance protects your own car, but it's unnecessary for older vehicles. Theft insurance depends on your parking location. Scratch insurance is useful for new cars. Passenger liability insurance with minimum coverage ensures safety. Compare quotes from different companies and review the deductible clauses. It's advisable to drive steadily to reduce risks.