After choosing an insurance company, you choose the right insurance:
First of all, compulsory insurance is compulsory insurance that must be purchased, and the premium is unified throughout the country.
Secondly, choose commercial insurance types reasonably. According to your actual situation, choose the types of insurance you need to insure. The principle of selection is to insure with high risk rate and not to insure with low risk rate. For example:
1, novice drivers of new cars should choose more types of insurance, and it is best to choose "all risks". The "all risks" in the usual sense include compulsory insurance, third party liability insurance, motor vehicle loss insurance, vehicle theft insurance, vehicle personnel liability insurance, glass breakage insurance, car body scratch insurance and special clauses such as excluding deductible.
2. Vehicles with long-distance operation and modified audio electronic circuits, or relatively expensive vehicles that have been used for more than three years, are recommended to purchase self-ignition insurance.
3. If the vehicle has been used for more than 78 years, you can consider not buying the whole vehicle for burglary and emergency rescue.
4. In flood-prone areas, it is best to buy special engine loss insurance (also known as "water-related insurance") to ensure that "the loss caused by engine water inflow" is compensated. "Water-related insurance" is responsible for the economic compensation liability for the direct damage of the engine caused by the water intake of the engine caused by the vehicle wading on the stagnant road surface or starting in the water. However, it should be noted that it is not allowed to forcibly start the engine after the flameout during driving. If the secondary ignition damages the engine, the insurance company will not compensate.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.