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

When we get 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 insurance protects you from various unexpected situations that may occur during future driving. So what kind of insurance should you buy after buying a car?

What insurance should I buy when buying a car?

Vehicle Damage Insurance

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

Third Party Liability Insurance

It is called third party liability insurance. You can never save money on it. Although everyone hopes to drive safely throughout their lives, it is better to be safe than sorry. If your car hits someone and you are unable to pay, you don't have to worry too much if you have third party liability insurance. Just leave it to the insurance company. It is generally recommended to buy 1 million third party liability insurance, and at least 200,000 or more. You can choose a higher compensation amount according to your own situation.

Car liability insurance

This is to protect the people in the car, so it is recommended to buy it. In case of an accident, the people in the car can also get compensation. In a major traffic accident, the probability of survival of the vehicle occupants is not high, so having this kind of insurance is very useful. In case of a problem, it is always good to leave some money for the family.

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. Choose according to the actual situation.

No deductible insurance

This is an additional insurance that needs to be purchased together with the main insurance. In the event of an accident, you can transfer the responsibility you have to bear to the insurance company, so that you can get 100% compensation from the insurance company.

In addition, there are compulsory insurance and vehicle and vessel taxes that must be paid.

What do I need to provide for car insurance?

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

Generally, you need to provide original documents, copies and photos (choose one of the three). If you don’t have original documents, you can provide photos or copies. The specific requirements are mainly based on local requirements.

If a new car is insured and there is no time to get a license plate, the engine number will be used as the license plate number. If you get the license plate, you need to contact the insurance company to change it in time.

Which is better, buying insurance at a 4S shop or buying insurance yourself?

This makes little difference to car owners and the costs are about the same.

If you buy insurance by yourself, you can choose the insurance company you want. If you buy insurance from a 4S store, you cannot choose the insurance company yourself, or you can only choose from a few limited ones.

Compulsory insurance is mandatory and has a unified price. For commercial insurance, 4S stores will offer 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, of course, that is for insurance company salesmen.

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