Is it okay to buy only compulsory insurance for the second year of a new car?

Is it okay to buy only compulsory insurance for the second year of a new car?

I used to buy only compulsory insurance and have been accident free since '02. I've chickened out in the last two years and bought business and auto insurance [sobs]Catwoman WitchSenior English Teacher

Buying car insurance for $960, surprised to find 1250 when I paid, this is a familiar face, it's been $960 for a couple years, one for compulsory insurance and one for vehicle use tax.

I immediately asked her if there was a mistake.
She said no, it's 1,250 dollars.
I said it used to be 960, did the price go up?
She said: you forget, six months ago your car was insured once, if the car had not been insured, the two add up to 960, and your had been insured, so naturally it reverts to more than 1,000.

I said let me think about it, it seems like it's really happening.

At that time, my friend lent me a car, I gave her, she rear-ended on the highway, I remember her saying that when she got off the highway, she rear-ended someone else's car, and ended up spending more than 6,000, the insurance is also reported to the parents of the 2,000 parents because she is fully responsible, and rear-ended the car is a more than 200,000 SuV, she said that she was very angry, then the car's speed are not fast, because of the next highway entrance toll booths, she was just cut off each other's bumpers, there is no more How serious is it? People are also all right, the bumper spray paint at most more than 2,000.

I said then how did it end up being over 6,000 and she said because the other vehicle had a sticker on it and she had to give him a full replacement.

At the time it was all about her taking care of the aftermath very much needing my information when I butt in, so I'm not too impressed.

That now only pay 1250, after all, did get out of the insurance, it seems to be safe and sound on the road, no safety accidents, buy insurance can be cheaper than 300. At that time, my car was also repaired, the front face was cut off, how much money spent friends did not say, she fixed let me drive away.

I asked an acquaintance of my insurance friend, this can not be discounted? She said as long as you don't have an insurance policy this year, you should be able to get a discount tomorrow.

可以汽车保险到期了是可以换其他保险公司和其他的商业险险种的，但是交强险无论在哪个保险公司都是必须缴纳的。

根据《中华人民共和国保险法》第十一条 订立保险合同，应当协商一致，遵循公平原则确定各方的权利和义务。除法律、行政法规规定必须保险的外，保险合同自愿订立。

第十三条 投保人提出保险要求，经保险人同意承保，保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证。

保险单或者其他保险凭证应当载明当事人双方约定的合同内容。当事人也可以约定采用其他书面形式载明合同内容。依法成立的保险合同，自成立时生效。投保人和保险人可以对合同的效力约定附条件或者附期限。