Which Type of Car Insurance Should I Buy?
2 Answers
If you are a novice driver with a new car, the recommended combination is: compulsory traffic insurance + third-party liability insurance + vehicle damage insurance + non-deductible insurance + passenger liability insurance + personal accident insurance. Below are the relevant explanations: 1. Reason: For novice drivers, unfamiliarity with road conditions and lack of driving experience increase the risk of traffic accidents. Therefore, third-party liability insurance and vehicle damage insurance are essential. Purchasing non-deductible insurance ensures full compensation. 2. Other combinations: For experienced drivers with rich driving experience and the ability to handle emergencies, it is sufficient to purchase compulsory traffic insurance + third-party liability insurance + vehicle damage insurance + non-deductible insurance. Other commercial car insurance types can be reasonably selected based on the actual condition of the vehicle.
I think buying car insurance depends on your driving habits and needs. Compulsory traffic insurance is legally required and must be purchased. However, it's not enough on its own. If you drive a lot in the city, add third-party liability insurance with coverage of at least one million to cover costs in case of accidents involving people or vehicle repairs. Collision insurance is very practical for new cars, avoiding out-of-pocket expenses for minor damages. Theft insurance is recommended in areas with frequent car thefts, such as big cities. Glass insurance is essential to protect against flying stones breaking windows. As for spontaneous combustion insurance, you might save on it if your car is old. When comparing premiums, use online tools more often, as large companies have good reputations and faster claims processing. A safe driving record can lower costs, and driving less also reduces premiums. In short, don't just go for the cheapest option—safety and security come first.
