Car insurance is compulsory. In addition to compulsory insurance, old car owners generally buy vehicle loss insurance and third party liability insurance; Novice car owners generally buy all kinds of insurance, including compulsory insurance, car damage insurance, three-way insurance, theft insurance, vehicle personnel liability insurance, special insurance without deductible, car body scratch insurance, glass breakage insurance and so on. In addition to compulsory insurance, all commercial insurance owners can buy it voluntarily. As a car owner who has been driving for a while, experienced various road tests and basically mastered driving skills, he can "slim down" his car insurance. In addition to the compulsory insurance stipulated by the state, it is recommended to buy "vehicle loss insurance" and "third party liability insurance" in commercial insurance.

Vehicle loss insurance is used to protect the insured vehicle from damage in the event of a traffic accident. The owner can choose to insure the vehicle fully or under-insured. The amount of accidental claims of insurance companies is different with different premiums. The third party liability insurance is to protect the third party in traffic accidents. As an important supplement to compulsory insurance, it has expanded the scope and intensity of claims, generally divided into seven grades, namely 50,000 yuan, 6,543.8+10,000 yuan, 6,543.8+05,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan and 6,543.8+10,000 yuan. Generally speaking, car owners can choose the level of insurance.

In short, as an old car owner, in addition to compulsory insurance, it is recommended to take out vehicle loss insurance, third party liability insurance, in-vehicle personnel liability insurance and special insurance without deductible.

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