Core question
What does the cheapest policy leave out?
Answer first
Start with the full cost, key benefit and boundary before deciding.
Compare liability, deductibles and claim limits before quotes.
Primary cost
Coverage gaps
Primary benefit
Premium savings
Risk level
Medium
Evidence note
A
Supported by laws, standards, official statistics or authoritative guidance.
Sources, jurisdiction and timeliness
- 中华人民共和国保险法（国家法律法规数据库） 中国官方 · 全国人大常委会 · 中国 · 2015-04-24 · 2026-09-29
- Jurisdiction
- 中国
- Effective date
- Not registered
- Last reviewed
- 2026-09-29
Registered limitations
- The Insurance Law supports the basic framework for insurance contracts, disclosure duties, coverage and claims; specific auto-insurance terms, deductibles and limits still follow the policy and regulator-published text.
- Price comparison does not replace checking coverage and exclusions.
Next action
Do these first, then decide.
Check the registered statutes, jurisdiction and limitations below, then follow the action checklist.
- Check the registered statutes, jurisdiction and limitations below, then follow the action checklist.
- Source jurisdiction: China
- The Insurance Law supports the basic framework for insurance contracts, disclosure duties, coverage and claims; specific auto-insurance terms, deductibles and limits still follow the policy and regulator-published text.
This decision card provides general decision information and is not legal, medical, financial, tax or other professional advice.