Should I Purchase New Car Insurance from a 4S Shop or on My Own?
2 Answers
New car insurance is purchased from a 4S shop. Costs of purchasing a car at a 4S shop: Car price, whether financing is involved, purchase tax, vehicle and vessel tax, compulsory traffic insurance, etc. Differences between buying car insurance at a 4S shop and directly from an insurance company: Theoretically, there is no difference. The terms of insurance companies are uniform. The invoice prices are the same. After-sales claim services are uniformly handled by the insurance company. It makes no difference through which intermediary the insurance is processed, and the insurance company does not treat customers differently. In fact, insurance comes with rebates. Claims that car insurance has no rebates and cannot benefit customers are simply self-deception. The so-called prohibition of insurance companies giving rebates has only been implemented in the documents of the insurance regulatory authority. Where to buy cheaper depends on the car model and the region. 4S shops have cooperative relationships with insurance companies, which is called premium-for-repair.
As a time-strapped office worker, I prefer purchasing new car insurance at 4S shops, which saves significant time and effort. Right after picking up the car, the 4S shop can handle all procedures in one stop, including insurance binding, eliminating the hassle of visiting insurers or filling forms online. Their staff are familiar with new car models and may recommend protection plans tailored to factory warranties, ensuring comprehensive coverage. Though prices might be slightly higher, you avoid potential quote confusion or oversight risks. For busy individuals, this convenience is well worth it. From personal experience, buying insurance independently takes hours comparing different companies, which can be exhausting. In the early stages of car ownership, insurance is fundamental protection—prioritizing convenience allows worry-free driving without letting minor issues disrupt work rhythms. Of course, always clarify if quotes include markups to ensure transparency before deciding.
