Can I buy insurance for a fully paid car outside the 4S store?
2 Answers
You can purchase car insurance outside the 4S store and freely choose your insurance provider. The reasons why 4S stores require car owners to buy insurance from them are as follows: 1. Profit: 4S stores want car owners to purchase insurance from them to gain a portion of the profit from selling insurance, which allows them to make a significant profit through this intermediary service. 2. Increased benefits: Providing after-sales services, including insurance claims and car insurance services, offers convenience. Additionally, part of the profits from selling insurance can be used to enhance vehicle discount promotions to attract more customers.
Last year I bought a car with full payment, and the 4S dealership strongly recommended purchasing insurance through them, claiming it was convenient and fast. But honestly, insurance is not mandatory at all, you can go to external insurance companies to buy it yourself. I compared prices, and for major companies like PICC or Ping An, purchasing directly through their official websites or apps saved me several hundred yuan per year compared to the 4S dealership. The key point is that 4S dealerships like to bundle additional services, such as priority claims and repairs, but buying insurance externally still provides normal coverage. My advice is to first clarify your coverage needs, such as the amount required for third-party liability insurance, then compare prices across multiple platforms to choose the most suitable plan for yourself. Save money and stay flexible—don’t be fooled by sales tactics.
