可以只买交强险和车船税吗

可以只买交强险和车船税吗

How to buy insurance for the second year of the car? Today a fan asked me such a question about a similar problem, in fact, in 2020, I shared a lot, then share especially much dry knowledge of buying a car, the past few years thought that we all understand, so I said less.

Both friends want to understand, that is, there is still a part of the friends have a certain demand for knowledge of the car, so I will say it again, to popularize it.

For the second year of auto insurance, you can buy it based on the first year's program. But be careful in your program selection and buy only what you need.

First of all, the compulsory insurance and vehicle tax is certainly to buy, there is no doubt, do not bother, because you do not buy, can not go on the road. Secondly, the choice of commercial insurance is very delicate.

I would recommend getting 3 types of insurance, the first being car damage insurance. Nowadays, car damage insurance includes water-related insurance, glass insurance, deductible, theft insurance, and so on. To prevent being fooled, you should only buy one car damage insurance.

Second, the third party liability insurance, this insurance is also good to understand, I do not explain, I will say the amount of coverage. A lot of 4s stores are fooling you to buy 3 million or 2 million, which in fact is completely unnecessary, generally you buy a 1 million is already enough to use, unless you live in a high-end neighborhood, surrounded by millions of luxury cars, otherwise there is no need for this. As you get better at driving, you'll end up with a 500,000 and that's good enough. You can save a lot of money here, so buy according to your reality.

Third, the car occupant insurance. The driver and passengers and seat insurance are bought, this insurance is to protect in case of traffic accidents, so that you are less accompanied, to increase their own anti-risk ability to use. This kind of insurance is not much money, but very important.

Above all, it is the second year, or even look at the way car owners buy insurance. Just pick the type of insurance to get quotes from insurance companies.

汽车只交交强险加车船税是可以的，汽车商业保险是附加险，属于自愿购买的，可以根据自身情况来选择是否购买。

根据《中华人民共和国道路交通安全法》第十一条驾驶机动车上道路行驶，应当悬挂机动车号牌，放置检验合格标志、保险标志，并随车携带机动车行驶证。机动车号牌应当按照规定悬挂并保持清晰、完整，不得故意遮挡、污损。任何单位和个人不得收缴、扣留机动车号牌。

第十七条国家实行机动车第三者责任强制保险制度，设立道路交通事故社会救助基金。具体办法由国务院规定。

Extended Information:

《机动车交通事故责任强制保险条例》第三十九条机动车所有人、管理人未按照规定投保机动车交通事故责任强制保险的，由公安机关交通管理部门扣留机动车，通知机动车所有人、管理人依照规定投保，处依照规定投保最低责任限额应缴纳的保险费的2倍罚款。机动车所有人、管理人依照规定补办机动车交通事故责任强制保险的，应当及时退还机动车。

第四十条上道路行驶的机动车未放置保险标志的，公安机关交通管理部门应当扣留机动车，通知当事人提供保险标志或者补办相应手续，可以处警告或者20元以上200元以下罚款。当事人提供保险标志或者补办相应手续的，应当及时退还机动车。

参考资料来源：百度百科——中华人民共和国道路交通安全法