随着现在的汽车数量越来越多，汽车保险在保障我们每天开车出行过程中起着至关重要的作用。每当一年一度购买车险的时候，保险公司会给我们提供十几种汽车险种，那么这十几种车险都是否需要购买吗？答案是否定的，其实我们买车险的时候只买四种基本险种就够了。这四种基本险种都是哪些呢？
第一种就是交强险，不买它警察是不会让你上路行驶的。
第二种是第三者责任险，建议购买保额额度200万以上，防止你撞了人家的豪车或者行人而导致你倾家荡产。
第三种是机动车辆损失险，发生交通事故后它是用来维修和补偿你自己爱车损失的。
第四种是不计免赔险，比如您开车撞到了树上，根据保险条款车主应承担15%的损失费，但买了该险种后，保险公司同样对这15%的损失费进行赔偿。
除此以外的其它险种，如盗抢险、车身划痕险、玻璃单独破碎险、发动机涉水损失险等险种车主可以根据自身特殊情况选择性购买。
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