If the car loan is not paid off, you can change insurance companies when the insurance expires. In the first year, vehicle insurance is generally bought in places where cars are bought, such as 4S shops. After the expiration, you can choose your own insurance business.

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Vehicle insurance is a kind of commercial insurance that bears the responsibility for personal injury or property loss caused by natural disasters or accidents. Automobile insurance is a kind of property insurance. In the field of property insurance, automobile insurance is a relatively young type of insurance, which is due to the emergence and development of automobile insurance with the emergence and popularization of automobiles. At the same time, different from modern motor vehicle insurance, in the initial stage of automobile insurance, third-party liability insurance is the main risk, and it gradually extends to risks such as body collision loss.

Vehicle insurance can be divided into commercial insurance and compulsory insurance. Commercial insurance includes vehicle main insurance and additional insurance.

The main risks of commercial insurance include vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance and vehicle theft and rescue. Motor vehicle loss insurance covers the insured vehicle against natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer shall make compensation in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance, for the insured or its allowed qualified drivers in the process of using the insured vehicle, causing personal injury or property losses to a third party, the amount that should be paid by the insured according to law is also compensated by the insurance company.