Cars can only buy compulsory insurance, but some accidents compulsory insurance payout is very low, it is best to buy some other commercial car insurance.

Auto insurance has two types of compulsory insurance and commercial insurance, compulsory insurance is required to buy, and commercial insurance is everyone according to their own needs to buy, compulsory insurance compensation refers to the insured motor vehicle road traffic accidents caused by the car, the insured other than the victims of personal injury or death, property damage, by the insurance company according to law, in the motor vehicle traffic accidents liability insurance liability limit range to be compensated.

The do's and don'ts of car insurance and key things to know:

There are also a variety of exemption provisions for compulsory insurance, such as the damage caused by traffic accidents intentionally caused by the victim, the damage suffered by the property owned by the insured and the property on the insured motor vehicle, the arbitration or litigation costs incurred as a result of traffic accidents, and other related costs, and so on. From these provisions, it is easy to see that the scope of compensation of compulsory insurance for automobiles is subject to certain restrictions, and its compensation limit is also very low.

To ensure the safety of people and cars, if you only buy compulsory insurance, once the insurance coverage at some point in time is not enough, the family bought a car but usually rarely drive the owner, you can first buy only compulsory insurance, to drive trips or frequent use of the car before, and then make up for the purchase of commercial insurance, in addition, ready to sell the car owner can also buy only compulsory insurance.

For car owners who have purchased their cars for a longer period of time, it is recommended that they purchase car damage insurance, third party liability insurance (with a limit of not less than 300,000 yuan), vehicle personnel liability insurance, and non-deductible special insurance when buying commercial insurance. You can also consider purchasing theft insurance, separate glass breakage insurance, spontaneous combustion damage insurance, etc. according to your driving situation, car model, and the newness of the vehicle.

Above reference: Baidu Encyclopedia - Vehicle Insurance

车险分为交强险和商业险两大类 ：

1，交强险不用说，必须买的1000元左右。

2，商业险中包括：车损，三者，车上人员，盗抢（以上四项属于基本险）玻璃单独破碎险，划痕，还有各项的不计免赔（后面几项是附加险） ，前面说的都是比较长见的，还有一些不常保的，自然险，轮胎单独损坏险，涉水险，新增设备险。

3，以18万左右的车一般只保车损、三者、车上人员、盗抢（玻璃也可以加上）以及不计免赔就可以了。

4，例如：新车是18万的车，购买时间为2015年08月20日，起保日期为2015年08月22日，核定载客为5人： 车损：保额18万 ， 保费1990.10元 三都；保额10万 ， 保费644.70元 车上人员座位险：每人保额为1万 ，保费105元 盗抢：保额18万 ,保费701.40元 划痕：保额2000元 ,保费280元 玻璃（国产）,保费252元 不计免赔共计：452.98元 加交强险总计:5186.17元 注:如果不是新车的话,划痕、玻璃可以选择性购买。《具体公司会有一定的费用浮动》