单选题 If you own a car, you are probably considering buying some kind of car insurance (保险). However, when you are actually purchasing car insurance, it can be difficult for you to decide which is your best choice. The ideal buying process is to first research and decide, then purchase.
Research first
Before buying car insurance, you should find out the purpose of your purchase and how the insurance meets your needs.
Decide on suitable Car Insurance Policies (保单)
A neglected part of car insurance is the part which covers medical bills. Medical payments can add up very quickly in an accident situation, and the insurance should cover the bills incurred (招致) both by you and by the passengers in your car. Make sure you know the full value that your insurance covers.
Purchase the best Car Insurance for your needs
You have a number of choices when it comes to the actual purchase of the car insurance. Each has advantages and disadvantages, and these may be influenced by your individual taste and previous buying experience. Insurance companies may offer you good advice, but prices on the Internet are often better.
单选题 According to the first paragraph, when buying ear insurance, one should first ______.
【正确答案】 B
【答案解析】[解析] 事实细节题。本题询问的是购买车险的具体步骤。定位到第一段，购买车险时应先研究(first research)。故正确答案为选项B(仔细研究各种选择)。选项A(决定购买保单的数量)、选项C(选择最好的保险公司)不是购买车险的具体步骤；选项D(寻求最低的保险费率)在文中并未提及。
单选题 The purpose of research is to find out whether the car insurance ______.
【正确答案】 B
【答案解析】[解析] 事实细节题。本题询问购买车险之前进行研究的目的。定位到文章第二段的后半部分，可知研究的目的是为了使所购车险符合自己的需求，故正确答案为选项B(最大程度地符合需要)。选项A(包括所有优点)与原文中“每个险种都有其优缺点”不符；选项C(提供最佳的险率)、选项D(购买简便)原文没有涉及。
单选题 When buying car insurance, people often neglect ______.
【正确答案】 C
【答案解析】[解析] 事实细节题。本题询问人们时常忽略什么车险内容。定位到第三段，提到车险中被忽略的一部分是用来支付医疗费用的，故正确答案为选项C(车险中涵盖医疗费用的那部分)。选项A(车辆的损失)、选项B(乘客支付的费用)、选项D(保险公司的背景)原文没有提及。
单选题 According to the last paragraph, your choice of car insurance may also be influenced by ______.
【正确答案】 D
【答案解析】[解析] 事实细节题。本题询问影响车险选择的因素。定位到第四段，可知影响顾客选择车险的两个因素分别是个人喜好和购险经历，故正确答案为选项D。选项A(驾车习惯)、选项B(上险车辆种类)、选项C(家人的态度)原文没有提及。
单选题 Which of the following might be the best title of the passage?
【正确答案】 C
【答案解析】[解析] 主旨大意题。本题询问这篇文章的恰当标题。回顾全文，本文向读者介绍了购买车险的三个步骤：研究、决定及购买，说明购险并不是件轻松的事情，对购险目的、险金中的医疗费用及险种选择进行了叙述。故正确答案为选项C(购险建议)。选项A(车险中的医疗费用)只是文中第三段的部分内容；选项B(购买车险的重要性)与原文内容不相干；原文中并未提及车险的优点具体是什么，故选项D(车险的优点)也予以排除。