第一年，面面俱到：交强险+车损险+三者险+座位险+驾乘险+医保‮责外‬任险；
第三年，省一点：交‬强险+车损险+三‬者险+座位险；
第四年，再省一点：交强险+车损险+三者险；
第六年，能省则省：交‬强险+三者险200万；
第十年，省到不能省：只买‮强交‬险（950元）

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