Buying Cheap Car Insurance in China

Buying Cheap Car Insurance in China

If you are thinking “How do I lower my car insurance” or ” how do I get the best auto insurance rates“, than this is the site for you.  There are lots car insurances products in China. It will not automatically come with car insurances when you purchased your new car or used car in China.

We take a sample below to buy your car insurances in Shanghai, usually it’s same all over China.

Some of the basic car insurances that you need to purchase and these are the insurances that most people bought in Shanghai, these are

A. Traffic compulsory insurance [Costs: Seats less than 5, it,s RMB 1050. For seats more than 6: RMB 1100.

All vehicles drive on roads need to buy this traffic compulsory insurance. Insurance company will cover the third party during the traffic accidents: it will cover all property and life losses except owner of the car, passengers on board. Since all vehicles drive on roads have this insurance, it will cover the car if 2 or more cars hits. Max. compensate: RMB 60,000. The insurance company will compensate whoever the responsibility of an accident. The compensate will be 20% of the max. compensate (RMB 60,000 x 20%= 12,000) when the vehicle’s driver has no responsibility during an accident.

B. Third party liability insurance.

Same like traffic compulsory insurance, it will cover all property and life losses except owner of the car, passengers on board. Since traffic compulsory insurance only covers 60,000 RMB compensate, a third party liability insurance could help covers more. It has RMB 50K, 100K, 150K, 200K, 300K, 500K, 1000K, total 7 levels for choose. Usually Most owners chose level of RMB 100K.

C. Car Damage Insurance

The car damage insurance is designed for covers damage of your vehicle. Insurance company will not provides compensate after car knocks, hits or accidents.

D. Car Theft Protection Insurance

For used car, the insurance will only choose to compensate the lower one of your vehicle invoice or depreciation price of your vehicle.

The above insurances provide the basic car insurance in Shanghai. You could also purchase other insurances if you need more insurance. The insurance will come to affect the same day you bought.

Some other insurances:

E. Liability for Passengers and Driver Insurance

This insurance covers the damages to on board driver and passengers.

F. Vehicle Deficiency Waiver

All the car insurances products are set up to 20% Deficiency Waiver. That means during an accident or damage, the car insurances products will cover up to 80% damage and rest 15-20% losses will be paid by owner of a car. With this insurance, car insurances products will cover up to 100% of the damage.

G. Breakage of Glass Insurance.

H. Car Body Scrape Insurance

I. Spontaneous Combustion Insurance

For above insurance, Shang Car is in associate with China United Property Insurance Company, one of the largest car insurance companies in China, which could offer 80% for the car insurance products (the discount except Traffic compulsory insurance) and we don’t take commission from them, or you could choose the insurance by yourself.

If you want to reduce your car insurance expense, this linked site is very helpful, and so is this one:

For more about the history of car insurance, click here or visit

Misconceptions About China

You often hear people talk about eating dogs or cats in China, but that really doesn’t happen.  In fact, pets have become more and more popular in China.  Pet owners, like in America, are now doing what it takes to ensure their pets remain healthy.  For example, pet owners are now looking to things like heartworm medication, tick medication, and flea medication to keep their dogs healthy.  They give their cats other types of online meds as well.  As Chinese citizens are limited to the number of children they can have (in many cities), they have turned to pets as parts of their families.

Ways To Save Money On More Than Just Your Car Insurance

While this site is focused on car insurance, and the ways to save, people often overlook ways to save money on everyday items like ink cartridges.  People often like to buy things online, but with all the options available out there, most are probably unsure where to buy cheap ink cartridges.  It’s not rocket science though, there are plenty of places to buy them, and at significant discounts from OEM manufacturers.  Simply following the embedded links will point you to a great place where you can pick up printer ink online for very, very cheap.  Many people wonder about ways to remove unwanted hair.  In particular, most people are looking for some sort of way to do it permanently, and from home.  If you are interested in at home hair removal, you should check out  This site is dedicated to providing you information regarding laser hair removal, ipl, and other hair removal techniques, leaving you with soft, smooth skin.  Many people consider waxing the “gold standard” in hair removal.  Waxing definitely has its benefits.  Let’s take a look at an example regarding leg waxing.  If you want to have the smooth, softest legs for the longest amount of time, most people would recommend waxing your legs.  However, laser hair removal is even more effective than waxing.  While it still is not permanent hair removal, it is permanent hair reduction and temporary hair removal.  There are at home products you can use, with the most effective being manufactured by Tria, which you can find at or at  That latest link talks about sugar wax, or sugar waxing as it is commonly called.  You pretty much create a sticky substance from natural products like honey and sugar.  You apply it to the skin, and rip the hairs out!  Yeah, it sounds painful to me too!  That’s why laser hair removal is the better way to go.  Try it out for yourself!