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Can I buy insurance myself when purchasing a new car?

4 Answers
RowanFitz
07/30/25 2:55am

You can buy insurance yourself for a new car. Compulsory traffic insurance (CTI) must be purchased, while standard commercial insurance is optional. However, if you do not purchase CTI, the car is not allowed on the road. If caught by traffic police, you may face the following penalties: 1) vehicle impoundment, 2) mandatory back payment of CTI, and 3) a fine of twice the CTI premium. Below is an introduction to CTI and its categories: Introduction to CTI: CTI, short for 'Compulsory Traffic Insurance for Motor Vehicles,' is a mandatory liability insurance provided by insurers. It covers compensation for bodily injury, death, and property damage (excluding passengers and the insured) caused by the insured vehicle in road accidents, within specified liability limits. Categories of CTI: CTI is China's first mandatory insurance system implemented under national law.

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RuthFitz
08/16/25 9:17am

It's perfectly fine to purchase insurance yourself when buying a new car. I've done it before. Don't listen to the dealers' hype—their bundled insurance is often 20% to 30% more expensive. I've done the math: by finding your own insurer like Ping An or Pacific Insurance online and comparing quotes, you can save thousands. The process is simple: get the vehicle identification number and invoice details in advance before picking up the car, then make a few calls or get quotes via an app. Choose a plan, instantly secure the e-policy, and bring a printed copy when picking up the car—the dealership won't dare say a word. Legally, we have the freedom to choose and can't be forced. The key is to buy comprehensive insurance for your new car—don't skimp on protecting your precious vehicle, but don't be a sucker either.

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LeLane
10/22/25 2:21am

When discussing buying a new car with my wife, we decided to arrange the insurance ourselves for peace of mind. For family trips with our child, we opted for high third-party liability coverage and separate glass breakage insurance to ensure comprehensive protection. While the dealer's package is convenient, it's significantly more expensive. I contacted PICC in advance, filled out the information online, and got a customized plan with better value. Just prepare a copy of the policy before picking up the car—no hassle at all. Prioritizing family car safety is key; don't risk big losses for small savings. Handling it a few days in advance gets it done. Saving money with peace of mind—a win-win.

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KiraAnn
12/05/25 2:44am

Based on years of driving experience, buying new car insurance on your own is the most cost-effective. Dealer insurance often has hidden pitfalls and higher rates. My approach is to compare prices online as soon as I get the new car details, select a company, pay, and obtain the policy—don't delay until the pickup day when documents are needed. The whole process takes just two to three hours, saving hundreds of dollars. Insist on keeping the choice in your own hands and don't be misled.

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More Forum Discussions

can you sell a car that is on finance

Yes, you can sell a car that is still on finance, but the process is more complex than selling a car you own outright. The critical issue is that the lender holds the title (the legal document proving ownership) until the loan is paid in full. You cannot transfer a clean title to a new buyer without first settling the debt with your lender. The most common and secure method is to use the proceeds from the sale to pay off the loan at the time of the transaction. This often requires coordination between you, the buyer, and your lender. If the sale price is higher than the loan balance, you keep the difference. However, if you owe more than the car's current market value—a situation known as being "upside-down" on the loan—you will need to cover the difference out-of-pocket to complete the sale. Key Steps to Follow: Determine Your Payoff Amount: Contact your lender to get the official "10-day payoff quote." This is the exact amount needed to pay off the loan, including any interest accrued within that period. Know Your Car's Value: Research your vehicle's current market value using resources like Kelley Blue Book (KBB) or Edmunds to set a realistic price and understand your equity position. Coordinate the Sale: The safest approach is to conduct the transaction at your lender's local branch. The buyer pays the lender directly, the lender releases the title, and you receive any surplus funds. Alternatively, you can use a secure escrow service to handle the funds. Consideration Scenario 1: Positive Equity Scenario 2: Negative Equity (Upside-Down) Loan Balance $12,000 $15,000 Car Sale Price $14,000 $13,000 Your Outcome Receive $2,000 after payoff Must pay $2,000 to lender to complete sale Transaction Complexity Straightforward Complex, requires immediate cash Selling privately typically yields the highest price, maximizing your positive equity. Trading the car in at a dealership is simpler, as they handle the payoff process directly, but the trade-in offer will likely be lower than a private sale price. It is crucial to be transparent with potential buyers about the loan situation to maintain trust and avoid legal complications.
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can you return a new car in louisiana

In Louisiana, you generally cannot return a new car simply because you changed your mind. Unlike some consumer goods, new vehicles are considered major purchases and are typically sold "as-is" unless a specific return policy is offered. Your ability to return the car hinges on three main scenarios: a violation of the state's Lemon Law , a breach of warranty by the manufacturer, or if the dealer explicitly offers a return policy . Louisiana's Lemon Law (Louisiana Revised Statutes 51:1941) protects new car buyers if a significant defect impairs the vehicle's use, value, or safety. The defect must occur within the first 12 months or 12,000 miles (whichever comes first) and must not be repaired after a reasonable number of attempts (typically three or four for the same issue, or one attempt for a serious safety defect). If the car qualifies as a "lemon," the manufacturer is required to either replace the vehicle or provide a refund. Some high-volume dealerships or used car superstores might offer a short-term return policy, often 3 to 7 days. This is not a legal requirement but a promotional tool. You must review your sales contract carefully to see if such a clause exists. Absent these specific conditions, your options are limited to selling the car privately or trading it in, which will result in financial loss due to immediate depreciation. Louisiana Lemon Law Key Criteria Details Coverage Period 12 months or 12,000 miles from delivery Number of Repair Attempts 3-4 attempts for the same defect, or 1 attempt for a serious safety defect Out-of-Service Days 30 or more cumulative days for repairs Required Notification Written notice to the manufacturer must be sent via certified mail Potential Remedies Replacement vehicle or full purchase price refund (minus a reasonable allowance for use)
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can you sell a car without a log book

Yes, you can sell a car without a log book (often called a service history or maintenance record in the U.S.), but it is significantly more challenging and will likely result in a lower sale price. The critical document you absolutely must have is the car's title , which is the legal proof of ownership. Selling a car without a title is illegal in most states and will prevent you from transferring ownership legally to the new buyer. The log book itself is not a legal requirement for the sale. However, it is a powerful tool for building buyer trust. A complete service history demonstrates that the vehicle has been well-maintained, which can justify a higher asking price. Without it, potential buyers have no verified record of oil changes, tire rotations, or major repairs, leading them to assume the worst and offer less money. Steps to Sell Without a Log Book: Be Transparent: Honestly disclose the missing log book upfront to avoid wasting time and build credibility. Gather Alternative Proof: Compile any repair invoices, receipts, or digital records from your mechanic. Even an independent inspection report can serve as a substitute. Price Realistically: Expect to price the car 10-20% below similar models with a full service history. You are compensating the buyer for the additional risk they are taking. Highlight Current Condition: Emphasize the car's present mechanical state. A pre-purchase inspection paid for by you can be a compelling selling point. Factor With Full Log Book Without Log Book Impact Buyer Trust High, verifiable maintenance Low, requires leap of faith Significant Negotiating Power Strong, justifies asking price Weak, buyer has advantage High Expected Sale Price Market value or above 10-20% below market value Direct financial loss Time to Sell Faster, attracts serious buyers Slower, narrower pool of buyers Moderate Legal Requirement? No No None Ultimately, while the sale is possible, the absence of a log book shifts the burden of proof to you, the seller, to demonstrate the car's value through other means.
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can you start a car without a battery

No, you cannot start a car with a completely dead or missing battery. The battery is essential for providing the initial burst of power to crank the engine and run the vehicle's essential electronics, like the fuel pump and engine control unit (ECU). Even if the alternator is responsible for generating electricity while the engine runs, it cannot produce the massive amperage required for the starter motor to turn the engine over from a standstill. However, there are two methods that can work if the battery has a small amount of residual charge left. The most common solution is a jump-start . Using jumper cables connected to a donor vehicle's good battery provides the necessary power to crank your engine. Once started, your car's alternator will take over and begin recharging the weak battery. The second method, push-starting (or bump-starting), is only viable for vehicles with a manual transmission. This technique uses the car's own momentum. With the ignition on and the car in second gear (clutch depressed), it's pushed or allowed to roll down a hill. Once speed is gained, quickly releasing the clutch engages the transmission to the engine, forcibly turning it over to start. This method bypasses the starter motor entirely but still requires minimal battery power to run the ECU and fuel injection system. For cars with automatic transmissions, push-starting is not possible because the hydraulic torque converter does not create a direct mechanical link between the wheels and the engine. If your battery is repeatedly dying, the underlying issue could be a failing alternator, a parasitic drain, or simply an old battery that needs replacement.
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can you take a dog into canada by car

Yes, you can take your dog into Canada by car, but it is not as simple as just driving across the border. The process is strictly regulated by the Canadian Food Inspection Agency (CFIA) to prevent the spread of rabies. The most critical requirement is valid proof of a current rabies vaccination administered by a licensed veterinarian. Failure to present the correct documentation can result in your dog being denied entry or placed into quarantine. The core requirement is the rabies vaccination certificate. This document must be issued and signed by a licensed veterinarian. It needs to clearly state that your dog is currently vaccinated against rabies, including the date of administration and the vaccine's product name and serial number. A simple tag on the collar is not sufficient. While a microchip is not mandatory for dogs arriving from the U.S. by land, it is highly recommended as it helps definitively link the dog to its paperwork. It's also important to check if your dog's breed is restricted. Some provinces, like Ontario, have bans or specific regulations for breeds considered "pit bull types." There is no limit on the number of personal pets you can bring, but if you are traveling with more than three animals, the CFIA may consider it a commercial importation, which has different rules. Puppies under three months old are exempt from the rabies vaccine requirement but must be in good health. Requirement Details Important Notes Rabies Vaccination Must be administered by a licensed vet. Certificate required. Puppies under 3 months old are exempt. Vaccination Certificate Must include vet's signature, date, vaccine product name, and expiry. A rabies tag alone is not acceptable. Microchip Not mandatory for U.S. dogs entering by land. Strongly recommended for identification. Number of Dogs No limit for personal pets. Over 3 dogs may be considered a commercial import. Breed Restrictions Varies by province (e.g., Ontario has "pit bull" bans). Check provincial laws before traveling. Health Examination Dog must appear healthy upon arrival. CFIA officer has final say on admissibility. The best practice is to contact the CFIA directly or visit their website for the most current rules before your trip. Have your veterinarian-certified rabies document ready to present to the border services officer upon arrival.
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can you sell a car with a quick title

Yes, you can sell a car with a quick title, but it requires careful handling to ensure the transaction is legal and protects you from future liability. A "quick title," often called a duplicate title , is a legally valid replacement for a lost or damaged original title issued by your state's Department of Motor Vehicles (DMV). The key is that you, as the seller, must be the named owner on this document, and it must be free of any liens or loans. The process is similar to selling with an original title, with a few critical extra steps. First, verify that the duplicate title you received is 100% correct—check for any typos in the Vehicle Identification Number (VIN) or your name. Before listing the car, be upfront with potential buyers. Disclosing that you are using a duplicate title builds trust and avoids surprises. Some cautious buyers might be wary of "title washing," a scam where a salvaged car's history is hidden, so your transparency is crucial. When you finalize the sale, you and the buyer must correctly complete the title transfer section on the duplicate title. This includes the sale price, date, and odometer reading. Sign the title exactly as your name appears on it. You must also provide a bill of sale. Crucially, after the sale, file a vehicle transfer notification with your local DMV. This officially releases you from responsibility for parking tickets or violations incurred by the new owner. Step Action Why It's Important 1. Verify the duplicate title for accuracy. Ensures the document is legally valid for transfer. 2. Disclose to buyers it's a duplicate title. Builds trust and manages buyer expectations. 3. Complete the assignment of title section correctly. A single mistake can invalidate the transfer. 4. Provide a signed bill of sale. Creates a separate legal record of the transaction. 5. File a release of liability with the DMV. Protects you from future fines or fees associated with the car.
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