Many of my friends don't know how to get the best deal on car insurance

It has been 2022, there are still a lot of friends do not know how to buy car insurance is the most cost-effective, spend a lot more money, today we take two policies to tell you about the
First of all, compulsory insurance must be purchased, do not buy can not go on the road, but the compulsory insurance coverage is only a poor 200,000, the occurrence of a slightly larger traffic accidents, we have to pay out of pocket.
So, we need to purchase commercial insurance as a supplement, let's look at the first policy, this friend has purchased vehicle occupant liability insurance, the cost of the driver and passengers totaled $213, and also purchased the third party 2 million and car damage insurance, I think it is already fully insured, but I recommend replacing the vehicle occupant liability insurance with driver's license insurance, and as for why, let's look at the next policy.
This friend purchased car damage insurance 3 million for a triple, driver's liability insurance 79 with 30,000 coverage, passenger liability insurance 30,000 per seat with a premium of 311, and spent $390 just on the vehicle's occupant liability insurance.
What I did not expect is that the insurance company also added the friend of the driving insurance, obviously you can see that the driving insurance coverage is higher, accidental injury medical care up to 300,000, accidental death and disability and 300,000, as well as accidental hospitalization allowance, no matter in the process of driving, or outside the car in the event of an accident, can be compensated, but the premiums are only less than 400 bucks, compared to the car personnel The premium is less than $400, which is much more cost-effective than the vehicle occupant liability insurance.
However, in this policy, this friend has purchased both vehicle occupant liability insurance and driver's insurance, which costs him nearly $400 more. In fact, we can just purchase the driver's insurance with a higher coverage because in the event of a traffic accident, if there is any medical loss, according to the principle of non-profit making, the total reimbursement of the two types of insurance should not be more than the actual expenses incurred.
Many friends are entangled in whether or not to purchase liability insurance for medication outside of health insurance? Xiao Zeng think there is no need, social security catalog within the two categories of oil, including Class A drugs 100% reimbursement, Class B need to be self-funded 10%-50%, medical insurance outside the drug refers to Class C drugs, and traffic accidents with the drug is mainly Class A and Class B, Class C drugs used very little, the specific reasons why we look at the screenshot after looking at this picture.
So, the only auto insurance we need to buy is compulsory insurance car damage insurance 2 million for the third party, and driver's insurance. When you meet a salesman who adds both driver's and passenger's insurance, just choose one of them.