Is it mandatory to purchase the first-year insurance for a Mercedes-Benz at a 4S store?
2 Answers
It is not mandatory to purchase the first-year insurance for a Mercedes-Benz at a 4S store; you can also choose an insurance company to purchase it yourself. Introduction to auto insurance: Motor vehicle insurance, also known as auto insurance (referred to as car insurance), is a type of commercial insurance that provides compensation for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Motor vehicle insurance, or "car insurance," is a transportation tool insurance that covers the motor vehicle itself and its third-party liability. Auto insurance customers: Mainly include legal entities and individuals who own various motor vehicles; the insured subjects are primarily various types of automobiles, but also include special vehicles such as electric cars, battery-powered vehicles, and motorcycles.
Last year I bought a Mercedes-Benz C-Class, and the salesperson insisted that the first-year insurance had to be purchased at the dealership, otherwise they wouldn't offer discounts or extended warranty services. But in reality, this isn't mandatory—it's completely legal to choose our own insurance provider. The dealership just does this to earn commissions and simplify their process. At the time, I compared options and ended up buying basic insurance directly from Ping An Insurance's website, saving nearly 1,000 yuan while also customizing the coverage for vehicle damage and third-party liability. That said, buying through the dealership is indeed convenient—if an accident occurs, you can just contact them directly for repairs, which is hassle-free, though you might end up paying extra service fees. If you've just bought a car, I suggest not getting fooled—first compare insurance products online, assess your driving habits, and then decide. New car insurance should be reliable, but there's no need to overspend unnecessarily.
