Can I Not Buy Insurance at the 4S Store?
4 Answers
New car insurance does not have to be purchased at the car 4S store, and car sales institutions are not allowed to force consumers to purchase insurance in the store. Components: Car insurance generally includes two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Compensation Content: Vehicle damage insurance compensates for the loss of your own vehicle; third-party liability insurance compensates for targets outside your own vehicle, such as people and public property hit, the other party's car, etc.; passenger liability insurance compensates for the loss of people and property on your own vehicle; theft insurance compensates for the theft of your own vehicle; no-deductible insurance ensures 100% compensation in case of an accident.
Legally, it is completely permissible not to purchase insurance from a 4S dealership, as car insurance is not a mandatory service they can enforce—unless it's bundled into the purchase contract, which is uncommon and generally unreasonable. Having driven for over a decade, I've found that insurance sold by 4S shops often carries higher premiums due to their additional commission earnings. External channels, such as insurer websites or independent brokers, tend to offer more economical options. Cost comparison is crucial: for instance, when I bought my car last year, the dealership quoted ¥5,000 annually, whereas purchasing directly from the insurer cost me only ¥3,500 for identical coverage. The savings can be allocated to maintenance or other expenses. In practice, it pays to compare quotes and service commitments from multiple insurers—factors like adequate third-party liability coverage and efficient claims processing. New drivers might worry about the hassle, but the flexibility becomes second nature, helping avoid upsells on unnecessary add-ons. Remember, the essence of insurance lies in risk protection, not where it's purchased.
You definitely don't have to buy insurance at a 4S dealership. As a young person, I prefer saving money by doing it myself. Purchasing externally offers much more flexibility – I can compare prices from different insurers like Ping An or PICC on my phone app in minutes, and place orders conveniently online. 4S dealership insurance often costs hundreds or even thousands more because they have sales targets to meet. Last time I bought a used car, the dealership quoted me ¥3000 for annual insurance, but I found the same coverage online for just ¥2200, saving ¥800 – enough for a weekend road trip. Another advantage of choosing freely is selecting more personalized coverage options, like adding special roadside assistance. Don't worry about quality – legitimate insurance companies handle claims just as quickly. The key is operating through official websites or reliable platforms to avoid cheap, unreliable options. Saving money while having freedom – why get tied down at a dealership? Take action, you'll love this sense of control.
Indeed, you don't have to choose the insurance offered by the 4S store. I don't know much about insurance, but I understand it's a personal choice. The 4S store service might be more convenient—after buying the car, you can handle the insurance right there, and they take care of everything, saving you the hassle of going elsewhere. However, buying externally is more flexible: there are plenty of insurance companies, and the prices are usually cheaper. When I bought my car, I compared and found the 4S store's quote was about 15% higher. If you have a friend who can introduce a broker, it's even simpler and more cost-effective. Don't worry about safety: formal insurance covers accident claims, and as long as you choose a reliable company, there won't be major issues. The price difference might be due to commissions—buying on your own allows for more transparency in viewing quotes. My suggestion is to decide based on convenience: if you're pressed for time, go with the 4S store for speed; if you have more time, shop around to save some money and learn a bit about insurance in the process.
