Choosing Car Insurance
Added 2026-10
Choosing Car Insurance — Chinese original prompt
车是 [车龄与车型]，主要用途 [通勤／接送／长途]，一年跑 [公里]，去年出险 [次数]。请列出各险种该不该买、保额怎么定，并说明哪些情况适合提高自付额换取低保费。最后给一份续保前要问清的问题清单。仅作参考，以保险公司条款和当地规定为准。
Site original
Chinese original
Example
Sample input
车是六年车龄的家用轿车，主要通勤和接送孩子，一年跑一万公里，去年出过一次小险。
The output should include
- 各险种该不该买与保额怎么定
- 说明提高自付额换低保费的适用情形
- 仅作参考，以条款和当地规定为准
Replace these placeholders 4
Swap the bracketed parts for your own details before sending.
[车龄与车型][通勤／接送／长途][公里][次数]
How to use
三者险保额别买最低档，一次大事故的差额远超省下的保费。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.