Is it mandatory to purchase insurance from a 4S store when buying a car in full payment?

1 Answers
StReed
07/30/25 9:44am
Purchasing a car in full payment does not require buying insurance from a 4S store; car owners can purchase insurance from insurance companies. Any vehicle with a valid driver's license, complete license plate, and passing the inspection by the vehicle management department can choose an insurance company for coverage. Car owners have the freedom to select the channel for purchasing car insurance. If concerned about driving without insurance, one can directly buy insurance at the 4S store. Additional information: 1. Car insurance mainly includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a mandatory insurance system implemented by national law; commercial vehicle insurance is divided into basic insurance and additional insurance based on the scope of coverage. Basic insurance includes vehicle damage insurance, third-party liability insurance, passenger liability insurance, and comprehensive theft insurance. 2. In addition to basic insurance, there are additional insurances: standalone glass breakage insurance and scratch insurance are additional insurances under vehicle damage insurance, which require first purchasing vehicle damage insurance before these additional insurances can be bought; purchasing the special clause for non-deductible insurance allows 'special agreement' for those basic insurances with additional coverage.
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