Is it mandatory to purchase insurance from the dealership when buying a car at a 4S store?

[IanMarie]

It is not mandatory to purchase insurance from the 4S store when buying a car; you can arrange insurance yourself with an insurance company. Here is more knowledge about auto insurance: 1. In the event of vehicle theft, if the policyholder loses the vehicle registration certificate, original purchase invoice, or vehicle purchase tax certificate, each missing document will increase the deductible by 0.5%, while losing the car key will increase the deductible by 5%. Therefore, try not to leave these items alone in the car. 2. In traffic accidents, if the driver or passengers suffer accidental injuries within the scope of insurance coverage, the insurance company will be responsible for compensation if you have purchased passenger liability insurance. Emergency braking by the driver during driving is not within the scope of insurance coverage, and the insurance company will not be liable for any injuries or deaths caused to the vehicle occupants as a result.

[DiBrooke]

A few years ago when I went to a 4S dealership to buy a car, the salesperson insisted I purchase their insurance, touting one-stop service for convenient claims. I immediately suspected something fishy and checked online, discovering many car owners reported 4S store insurance being about 20% more expensive with various additional service fees. I contacted China Life's direct sales channel myself and secured a better discount plus maintenance vouchers. Car insurance isn't mandatory - you need to review the contract terms and only commit to the vehicle price portion. While salespeople may have performance pressures, as consumers we have choice. I recommend researching market insurance rates before purchasing, don't rush to sign to avoid overpaying. Looking back, the savings could fund a road trip - totally worth it. Buying a car is a major decision where details matter.

[AngeloFitz]

From the perspective of consumer rights, I clearly understand that buying insurance is not mandatory when purchasing a car at a 4S dealership. According to China's "Consumer Rights Protection Law," they cannot engage in bundled sales, and forcing insurance purchases is a violation. Last time I bought a car, I directly refused the salesperson's recommendation and opted for Ping An Insurance myself. After comparing prices online, I chose a cost-effective option. The 4S dealership's insurance quote might include agent fees, leading to higher prices, whereas purchasing insurance independently through official apps is not only more affordable but also transparent. The approach is: clearly state during the car purchase that insurance will be handled separately, and just prepare the compulsory insurance documents for registration. If they persist, you can take photos or recordings as evidence and file a complaint with the Consumer Association. In short, protecting your rights is key—don’t let smooth talkers pressure you into opening your wallet.

[LeCollin]

Car insurance isn't actually mandatory. I compared quotes between 4S shops and external providers and found huge price differences. Their premiums usually include middleman profits - I just entered my car model on Sunshine Insurance's official website and got a discounted rate, saving hundreds. Don't be fooled by convenience claims; all claims are processed through insurance company apps anyway, so 4S shops don't offer much advantage. I recommend checking real-time quotes on insurance platforms first - don't waste money you could save. The purchase contract only covers the car price; insurance is your call. Keep it simple.