First of all, it is said that 4S stores are unwilling to sell complete vehicles. This situation is not true of all 4S cars, except those relatively strong brands, such as luxury brands BBA and Lexus. Or very popular models, such as the familiar Toyota Highlander, because their cars are not for sale and you don't buy their insurance, then they can choose to sell them to customers who buy insurance in the store. Therefore, they generally don't sell bare cars, either increase the price or install high-quality goods, or bundle insurance, in short, in order to maximize profits.
And those relatively weak automobile brands, such as those poor-performing joint venture brands or domestic automobile brands, are not so serious about selling insurance, because they know that if customers are lost because of bundled insurance, it will not be worth the loss; For them, even if they don't sell insurance, they have to sell their cars, because if they don't sell, they won't be able to complete the tasks of the manufacturers, and for the 4S shop, they will lose the resources of an old customer. So in general, the requirements of these car brands for bundled insurance are not very strict. Although they are also pushing insurance, their primary purpose is to sell more cars. Therefore, in this case, as long as you master the relevant negotiation skills, you can even let these weak brand 4S stores insure you!
Next, let's talk about 4S stores that don't want to sell their cars in full but have to buy insurance in the store. In addition to what we said above, there is another important reason why these car brands are in a strong position, which is profit. We all know that the profit of auto insurance is very high, that is to say, every time a 4S shop completes an insurance policy, the insurance company will give the 4S shop a corresponding rebate. For example, if a 4S store sells a single policy with a price of 10000 yuan, the maximum rebate given by the insurance company can reach about 40%, that is, about 4000 yuan, or even higher.
Among them, of this 4,000 yuan, the 4S store will take out a part as the insurance commission of the sales staff. In such a profitable situation, both 4S stores and sales salesmen must actively cooperate with the promotion of insurance! Moreover, the following sales representatives also have task assessment, not only can't sell bare cars, but also the insurance sales task has index assessment.
In addition, in addition to the rebate profits given by insurance companies, there is also a big profit that is after-sales claims. Once we buy insurance in the automobile 4S shop, basically this year's insurance claims will be handled in the automobile 4S shop, and the related maintenance warranty, parts repair and replacement are basically stuck in the 4S shop. As we all know, in the current situation that many 4S shops sell cars without making money, they can only make money by after-sales maintenance; And how can we really retain customers? In addition to providing quality services, bundled insurance should be a very good method. So we will see many 4S stores, not only selling insurance; Moreover, if you take out a loan and let you buy insurance for several years in a row, it will certainly do them no harm.
It can be seen that the practice of selling insurance in automobile 4S shops is to maximize profits, and the salesman pushes insurance to complete the task assessment, and of course, to get more income, which is understandable. After all, 4S stores are not public welfare organizations, and salespeople are not public welfare people. However, I think these should be open, transparent and fair, so that customers can make choices. As long as the insurance price is open and transparent and fair competition is implemented, I believe that in fact, many customers will choose to buy insurance in 4S stores, which can also save trouble. In short, if the service is done well, many things will follow!
The above views are only personal. Welcome everyone to communicate, share and learn together. Thank you!