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

[ConnorFitz]

Purchasing new car insurance is not mandatory at a 4S store. Car owners can choose the channel that best suits their needs to buy car insurance. The relevant introduction to car insurance is as follows: Introduction 1: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that provides compensation for personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Introduction 2: Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young type of coverage. As car insurance emerged and developed alongside the appearance and popularization of automobiles, it initially focused primarily on third-party liability insurance for automobiles, gradually expanding to cover risks such as collision damage to the vehicle body, which differs from modern motor vehicle insurance.

[MasonFitz]

Last time I bought a new car, the 4S store salesperson kept emphasizing how convenient it is to buy insurance there, with points redeemable for maintenance, but the price was much higher than outside. I carefully calculated that not buying insurance at the 4S store is completely fine—car owners have the right to choose freely. I checked online platforms, entered the car model, and compared multiple companies, finding premiums that were one to two thousand lower with more comprehensive coverage. Handling claims directly via mobile is also quite simple. The key is not to be fooled by sales tactics—they earn commissions, hence pushing high-priced plans. Spending a bit more time researching options, like choosing a reliable insurance company or purchasing online, can save money better spent on other car accessories. Buying a car is a big deal, and choosing the right insurance can save you money in the long run with ease.

[LeLaura]

From a cost-saving perspective, I never buy insurance at 4S dealerships because they overcharge and bundle unnecessary services. New car insurance can be freely purchased from external providers, such as directly contacting major insurers or getting quotes from online platforms—a simple comparison reveals the best options. 4S dealership packages are often 20% more expensive due to high commissions. When I bought my own car, I saved nearly 3,000 yuan by choosing a reputable policy. My advice: don’t rush to sign at the dealership—input your details online for quick price comparisons and select reasonably priced, comprehensive coverage. Over time, insurance premiums add up, so saving thousands upfront is crucial. Regarding claims, external insurers often have dedicated channels, making the process transparent and hassle-free.

[VanAdriel]

Buying new car insurance at a 4S dealership is quite convenient, as it allows you to get everything done in one go and saves you the hassle of running around. However, the prices are often higher, and the options are limited, making it less flexible than external channels. From my experience, car owners have every right to choose other channels for insurance and don't need to be locked into the 4S dealership. For example, they process policies quickly, but the premiums are more expensive. I only realized after renewing my policy that a friend got a cheaper deal. My advice is to weigh your needs: if you're in a hurry, go with the 4S dealership, but if you have time, buying online is more cost-effective. The key is to understand your insurance coverage requirements and not overlook the savings from comparing options. Having the freedom to choose is always better than being pushed into a sale.