It is impossible to buy a car in installments in the second year without all risks: 1. In order to prevent risks, banks generally require vehicles to be fully insured, and the beneficiaries of insurance are generally banks, so that insurance compensation can be obtained after accidents; 2. So you can choose to buy your own insurance, but you must buy all the insurance required by the bank during the repayment period, and you can't decide which insurance to buy by yourself; 3. Buy a car by installment. In the second year, insurance owners can buy it themselves, and it is not mandatory to buy it in 4S stores. Insurance items include: compulsory insurance, third-party car damage insurance, vehicle personnel liability insurance, glass insurance and new car scratch insurance; 4, the third party suggested that you can buy a higher one, because there are more and more good cars running on the street, cars are also valuable, and people are also valuable, not to mention buying insurance will have an accident.