How to Pay for Car Insurance and Where to Pay It?
2 Answers
Car insurance can be paid at local auto insurance companies. There are three key points to note when purchasing insurance: 1. Avoid duplicate insurance: When insuring your car, avoid duplicate coverage. Even if the owner duplicates a type of insurance, they will not receive excess compensation in case of a claim. 2. Do not over-insure or under-insure: Neither over-insurance nor under-insurance provides effective coverage. According to Article 39 of the Insurance Law: The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess part is invalid. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall bear the liability for compensation in proportion to the insured amount to the insured value. 3. Carefully review the insurance documents: Check whether the third copy is printed on white carbonless paper with light brown anti-counterfeiting background patterns, whether the upper left corner is printed with the words "Supervised by the China Insurance Regulatory Commission," and whether the upper right corner is printed with "Limited for sale in ×× Province (City, Autonomous Region)."
Last year I bought a used car and didn’t know how to handle the insurance at first. A friend suggested going directly to the insurance company’s service counter, so I visited the local PICC branch. After submitting the documents, I chose a basic insurance plan and paid the premium via WeChat—the whole process took less than half an hour. Later, when renewing the policy, I found it even simpler: just download the insurer’s app, enter the license plate number to compare plans online, and pay instantly by linking a bank card, skipping the queue entirely. The app also lets you check policy details in real time, conveniently reminding you of the expiration date. While 4S dealers often offer insurance services during car purchases, their prices tend to be higher, making them less advisable unless you’re a beginner prioritizing convenience. Always remember to bring your vehicle and ID documents when applying for insurance to avoid wasted trips.
