Now, the 4S shop is compulsory for the first year of insurance if you return it. This is not insurance for a new car. However, if you have people who can get kickbacks, this is very suitable, because it is unreasonable to buy too much insurance in 4S stores. And the price is high.

However, it is impossible to buy a car with a loan, because before the loan is paid off, the car belongs to the bank mortgaged by the loan, and it will be compulsory for three years. This is really helpless.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.