Which Car Insurances Can Be Skipped?
4 Answers
Third-party liability insurance, vehicle damage insurance, driver and passenger insurance, spontaneous combustion insurance, theft insurance, and glass insurance can generally be skipped, but compulsory traffic insurance must be purchased. Here are the relevant details: 1. Comprehensive insurance coverage includes: Third-party liability insurance, vehicle damage insurance, driver and passenger insurance, spontaneous combustion insurance, theft insurance, glass insurance, scratch insurance, compulsory traffic insurance, etc. 2. Considerations: From the perspective of premium payments, generally speaking, for the same vehicle model and insurance type, premiums from large companies tend to be higher than those from smaller companies. If the car is old or not highly valued, repair costs may not be exorbitant, and if the driver's skills are relatively proficient, opting for a smaller company can be more cost-effective.
I've been driving for several years and often think about insurance. I really believe some coverages can be saved. For example, theft insurance - if your car is parked in a guarded residential area or in your company's underground garage where the risk is almost zero, you can completely skip it. Glass insurance is also unnecessary if you mostly drive in the city and rarely take highways, as broken windshields are extremely rare. As for scratch insurance, minor scratches can be fixed cheaply at local repair shops. Spontaneous combustion insurance is basically useless for new cars, and well-maintained older cars rarely have such issues. The money saved on premiums could cover several maintenance services, making driving even more worry-free.
I've been driving for over a decade, and experience tells me that insurance needs careful selection to be cost-effective. For example, water damage insurance is completely unnecessary in non-torrential rain areas like the dry northern regions – it's just a waste of money. Passenger liability insurance is also somewhat redundant, as I personally have health insurance coverage and can handle any incidents that occur in the car. Additionally, some value-added service insurances like chauffeur services are completely useless if you frequently take public transport or taxis. I suggest everyone first assess their driving environment and frequency before deciding to cut these non-core insurance types, saving money for gas or car repairs is more practical.
As an average car owner who mainly uses the vehicle to pick up the kids, I find too many insurance options just complicate things. For instance, theft insurance can definitely be skipped—especially when parked in underground garages where theft rates are minimal. Glass insurance isn’t necessary for daily city driving either; it’s only worth considering if you frequently drive on highways. Niche coverages like scratch insurance aren’t essential either—minor issues can be fixed out of pocket without overspending. My top recommendation is sticking to compulsory traffic insurance and high-coverage third-party liability insurance. It saves money and offers peace of mind—the key is avoiding unnecessary expenses.
