What types of insurance should a car generally purchase?

[SanOlive]

Car insurance types that need to be purchased are as follows: 1. Compulsory Traffic Accident Liability Insurance: Specifically, compulsory traffic accident liability insurance is a mandatory coverage required by the state, and vehicles cannot legally operate on roads without it. 2. Third-Party Liability Insurance: Third-party liability insurance, commonly referred to as "third-party coverage," provides economic compensation from the vehicle owner to a third party for personal injury or property damage caused by a car accident. 3. Vehicle Damage Insurance: This covers the portion exceeding the compulsory insurance limit and is reimbursed by the insurance company. It is essential to purchase this coverage, and the insured amount should not be too low. Generally, it is recommended to have a coverage of at least 300,000 yuan. Vehicle damage insurance is used to cover the loss of your own car. 4. No-Deductible Special Insurance: If an accident occurs between two vehicles and the other party does not have insurance, making it impossible to obtain legal support for compensation from them, having your own vehicle insured with vehicle damage insurance allows you to receive compensation from the insurance company. No-deductible special insurance specifically covers the deductible portion in auto insurance. Auto insurance clauses typically set a 20% deductible rate. If the vehicle is totaled in an accident and cannot be repaired, purchasing no-deductible special insurance ensures the insurance company fully compensates for the vehicle's loss. Without this coverage, the insurance company only compensates 80% of the vehicle's value.

[LeAlivia]

I've been driving for almost twenty years and believe that car insurance is an essential protective shield. The compulsory insurance required by the state is a must—without it, you’ll face big trouble if caught on the road. Don’t skimp on the coverage for third-party liability insurance. I’ve seen a friend’s tragedy where they had to pay hundreds of thousands for injuring someone—higher coverage can prevent financial ruin. For vehicle damage insurance, it depends on the car’s value. New cars should have full coverage, or you’ll bear the repair costs yourself—I once saved tens of thousands thanks to it after a minor accident. Theft insurance is worth having in cities or when traveling, as the chance of theft may be low, but the loss can be devastating. The no-deductible coverage is a great add-on, eliminating the out-of-pocket portion, and combined with scratch insurance, it’s handy for parking lot dings. Insurance isn’t a waste of money—it’s a risk investment. Before buying, compare discounts online across companies, but remember not to cut corners—safety first ensures long-term peace of mind on the road.

[MargaretMarie]

As a father of two, my top priority when buying car insurance is family protection. The mandatory national insurance is the baseline and absolutely essential. I opt for the highest coverage for third-party liability insurance—if an accident happens and I hit someone, I won’t go bankrupt and jeopardize my kids’ education. Comprehensive car insurance is a must—our family car has had several dings and scratches, and it’s covered all the costs, saving us worry and money. Theft insurance is helpful in the city, especially when parking during school runs. I also recommend separate glass breakage coverage—summer brings frequent flying stones, and my car got hit recently, but the insurance covered it all. Overall, don’t aim for full coverage, but make sure the core protections are solid. Check online reviews and pick a reliable company—insurance is a safety net, spending a little for big peace of mind on the road.

[DiRafael]

As a newly graduated and working novice driver, saving money is the top priority. Compulsory insurance is a mandatory national requirement and cannot be skipped. Third-party liability insurance with a medium coverage amount is sufficient, especially since young people have tight budgets. Comprehensive coverage can be considered—get it for a new car, but skip it for an old one to avoid wasting money. Other options like theft insurance or glass coverage can be added as needed; living in the city, I’ve rarely used them. Don’t overbuy insurance—use online comparison tools to find affordable providers, and pay attention to deductible clauses. With basic protection in place, you can drive with peace of mind without wasting money on flashy extras.