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

[DelLilah]

New cars are not required to purchase insurance at a 4S store. Extended information about vehicle insurance is as follows: Introduction: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Classification of car insurance: Commercial insurance is an indefinite value insurance, divided into basic insurance and additional insurance, with additional insurance not being independently insurable. Basic insurance includes third-party liability insurance and vehicle damage insurance (comprehensive coverage); additional insurance includes full vehicle theft insurance (theft coverage), on-board liability insurance, no-fault liability insurance, cargo drop liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, new equipment loss insurance, and deductible waiver insurance.

[VanNova]

Actually, I was also fooled by the 4S dealership when I first picked up my car. The salesperson said I had to buy full insurance at the dealership to enjoy the car purchase discount, making me think it was a mandatory requirement. Later, my uncle, who works in auto repair, told me there's no such legal stipulation. The reason 4S dealerships push insurance so aggressively is that they get 15%-30% commission on each policy, and some even bundle it with other overpriced services. I compared quotes—the same PICC auto insurance package was over 800 RMB more expensive at the 4S dealership than buying directly from the insurer. The next year, I got smarter and shopped around on my phone app, finalizing the deal in half an hour with three free car washes included. If you encounter a 4S dealership forcing insurance purchases, don't back down—just call 12315 to file a complaint. Once consumer protection agencies step in, they'll comply immediately. Remember, insurance freedom is a basic consumer right—don't be intimidated by sales tactics.

[SanLena]

When buying a car, the 4S dealership insisted that I purchase insurance through them, claiming I wouldn't enjoy the purchase discount otherwise. As a veteran driver with twenty years of experience, I know their tactics all too well. 4S shops essentially lock in customers through insurance commissions and subsequent maintenance services, often recommending policies with flashy but impractical coverage items. For my new SUV, I later purchased insurance directly from Ping An's official website, saving 1,200 yuan while selecting more suitable scratch and spontaneous combustion coverage. The key is that the follow-up service was just as good—last time I had a scrape, I contacted the insurance specialist via WeChat, and the assessor arrived on-site within two hours. My advice: before picking up your car, get quotes from three or four insurance companies and show them directly to the salesperson. They'll usually back down. At the end of the day, insurance is like a mobile phone plan—choosing it yourself is always the most cost-effective.

[LolaFitz]

It depends on the situation. Last week when I accompanied my daughter to buy a car, we encountered this issue - the 4S store made insurance sound like a mandatory bundled service. As someone who's been through this, I advise young people not to rush into signing. Legally, you can absolutely purchase insurance yourself, but be aware that financed vehicles may have different requirements. At that time, we carefully reviewed the loan agreement and found there was indeed a clause requiring insurance purchase through designated channels. In the end, after weighing the pros and cons, we chose the 4S store's package but managed to negotiate two free maintenance services as extra. For fully-paid cars, you have much more freedom - my son bought a car two years ago and purchased insurance directly through Alipay, completing the process in three minutes with a 300-yuan JD.com gift card rebate. The key is to clarify all insurance details before signing the purchase contract and get everything in writing.