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

When we receive a new car, there are two things we must do immediately, one is to apply for a license plate, and the other is to get insurance. The license plate affects whether you can drive on the road, and the insurance protects you from various accidents that may occur while driving in the future. So what kind of insurance do you need to buy a car?

What kind of insurance should you buy when buying a car?

Car damage insurance

Once the car is scratched and scratched, or even collided, it needs to be repaired at a repair shop. If you have car damage insurance, then you don’t have to worry about paying to repair the car.

Third party liability insurance

Referred to as third party insurance. This absolutely cannot be omitted. Although everyone hopes to drive safely throughout their lives, they should not be afraid of anything but the eventuality. If a car hits a person and you are unable to pay back, you don’t have to worry too much if you have three-party insurance, just leave it to the insurance company. It is generally recommended to purchase third-party liability insurance of 1 million yuan, or at least 200,000 yuan. You can choose a higher compensation amount based on your own situation.

Vehicle liability insurance

This is to protect the people in the car, so it is recommended to purchase it. In the event of an accident, the people in the car will also be compensated. In a major traffic accident, the survival probability of vehicle personnel is not high, so having this kind of insurance is very useful. It's always good to leave some money at home in case something goes wrong.

Glass insurance

Glass is the easiest to break, so it is better to buy one just in case. There are two types of insurance: imported glass insurance and domestic glass insurance. Their insurance premiums are very different, so choose according to the actual situation.

Excluding deductible insurance

This is additional insurance and needs to be purchased together with the main insurance. In the event of an accident, you can transfer your liability to the insurance company, so that you can receive 100% compensation from the insurance company.

There are also compulsory insurance and vehicle and vessel taxes that are mandatory.

What do I need to provide for car insurance?

Driver's license, ID card, vehicle registration certificate or certificate of conformity, car purchase invoice. The insured individual needs to provide an ID card, and the company needs to provide an organization code certificate. If it is a second-hand car, you must also bring the vehicle transfer invoice, etc.

Generally, you need to provide originals, copies and photos (choose one from three). If you do not have originals, please provide photos or copies. The specific requirements are based on local requirements.

If a new car is insured and has not had time to get a license plate, the engine number will be used as the license plate number first. If you get the license plate, you need to find the insurance company to change it in time.

Which is better, insurance in a 4S store or insurance yourself?

There is not much difference for car owners, and the costs are similar.

If you go to the insurance company yourself, you can choose the insurance company you need. If you purchase insurance from a 4S store, you will not be able to choose the insurance company yourself, or you will be given a limited number of insurance companies to choose from.

Compulsory insurance and the like are compulsory, and the price is unified by the country. If you buy commercial insurance, 4S stores will give you rebates. No matter which insurance company you buy from, you can receive commission rebates, but different companies give different points and have different strategies. Human relationships are very important here, of course, for insurance company salesmen.

If it is a new car, the premium price is basically the same. There is not much difference between buying it from 4S and buying it yourself. Some stores will also have preferential policies for specific brands in terms of insurance rates and premiums. This can be based on your own needs.