Is it mandatory to purchase insurance at a 4S store?

[MacTimothy]

Insurance does not have to be purchased at a 4S store. A 4S store is merely a service provider and has no authority to force car owners to buy vehicle insurance. If coercion occurs, consumers can report it to the relevant authorities. Legal provisions: According to the "Automobile Sales Management Measures": Dealers must not restrict consumers to specific providers of auto parts, accessories, financial services, insurance, rescue services, or after-sales services; nor can they force consumers to purchase insurance or require them to use vehicle registration services. Multiple purchasing channels: Car insurance can be purchased through various channels, not just 4S stores. Consumers can buy car insurance through both online and offline channels, as long as the channels are legitimate and qualified.

[Mercedes]

You don't necessarily have to buy insurance from a 4S dealership. Speaking from my own experience, when I bought a car before, they directly pushed insurance on me, and I signed the policy for convenience. Later, I found that outside insurance companies like Ping An or PICC offered 15% lower quotes online with discounts. Choosing your own insurance can save you a lot of money, especially if you compare prices separately for compulsory traffic insurance and commercial insurance. While 4S dealerships offer the convenience of one-stop service and possibly faster claims processing, they often mark up prices or bundle sales. I recommend new car owners first check quotes on online platforms and then compare them with those from 4S dealerships. Also, don't be lazy when renewing your insurance each year—reassess your options and don't get locked in by the dealership. The initiative is in your hands.

[SanAthena]

I don't think insurance must be purchased at 4S shops. Every time I go for maintenance, they recommend insurance, but I find it expensive and prefer to look for options myself. A friend recommended the Ping An Auto Insurance APP, which is more flexible, offers lower prices, and is convenient to use. It also allows customization based on driving habits. The advantage of 4S shops is faster claims processing, but having the freedom to choose is more important. Auto insurance is divided into compulsory traffic insurance and commercial insurance, and buying online makes it easy to compare prices. Now, I directly place orders on my phone, saving both time and money. New regulations support car owners in choosing their own insurance companies, so don't be intimidated by 4S shops. Asking around can help you find good deals, making driving more reassuring.

[JackMarie]

Insurance doesn't have to be limited to 4S shops. I've compared prices, external insurers like Pacific are much cheaper and can be completed online. 4S shops only promote their partnered providers, sometimes forcing unnecessary purchases. Choose coverage based on your vehicle model - older cars can opt for higher deductibles to save on premiums. Buying independently offers more freedom and smoother claims. Don't believe the 4S-exclusive claims, do more research for peace of mind.