Yes, generally, after buying a car with a loan from a 4s shop, in order to reduce the risk, the 4s shop will require consumers to pay a renewal deposit. After paying the renewal deposit, the owner needs to go to the 4s shop to buy insurance in the next year. The amount of renewal deposit can be negotiated with 4s shop. Extension: 1. Under normal circumstances, after the owner pays off the car loan, the 4s shop will return the renewal deposit when the loan is used to buy a car according to the contract. For the amount of renewal deposit, consumers can communicate with 4s stores and try their best to satisfy both parties. 2. Consumers need to read the relevant contents of renewal deposit in detail when signing a car purchase contract. They need to know whether the renewal deposit can be returned after the loan is paid off if they don't buy auto insurance in the 4s shop during the loan period. Consumers need to have some initiative before signing a contract. 3. Persistence is not a bad thing. On the one hand, renewal deposit is a channel for 4s stores to increase profits. For car owners, after paying the renewal deposit, it can prevent car owners from forgetting to buy auto insurance because of busy things, which can play a good reminder role.