Is it mandatory to purchase insurance from a 4S store when buying a car in full payment?
2 Answers
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.
I recently bought a car with full payment, and the 4S store salesperson kept pushing me to purchase insurance from them, claiming it was mandatory and offered discounts. However, after checking the facts, I found that wasn’t the case at all. The law requires car buyers to have insurance, especially compulsory traffic insurance, which is necessary to drive legally, but the choice of provider is entirely free. I could purchase insurance from another company, which offered a much lower price than the 4S store’s quote. I ended up signing with a reputable insurance company, saving nearly a thousand yuan, and had the flexibility to choose the coverage and limits. The 4S store’s push was mainly to earn commissions through bundled sales. My advice is to compare insurance options before buying a car—don’t be fooled by sales tactics. The money saved can be used to add practical accessories, like a dash cam.
