Buying a car and insurance is considered to be the consensus reached by every car owner. However, many car owners are reluctant to buy insurance in 4S stores because the insurance they buy when buying a new car is prohibitively expensive. In fact, if you borrow money to buy a car, 4S stores will definitely require insurance, and there are also requirements for the types of insurance. Even if you buy a car in full, many 4S stores will require in-store insurance in the first year, otherwise the price of bare cars will not give you much cheaper. Must the new car be insured in the 4S shop?

Now the car sales of various car companies are not very good, and the car prices are transparent. Therefore, in order to further occupy the market, increase car sales and reduce vehicle prices, the profit of 4S stores in new car sales is very low, so now 4S stores basically make money by bundling insurance, mortgage fees, installation, decoration and maintenance of new cars.

Because 4S stores can get rebates from insurance companies through bundled sales of new cars and insurance, and insurance companies subsidize 4S stores according to quarterly profits, with a maximum subsidy of 45%. Because this profit is the net profit after deducting the cost, it can be seen that this profit is still considerable. Basically, 4S stores and insurance companies have reached a consensus on this point.

Moreover, after the vehicle bought insurance in the 4S shop, many car owners thought that since they were already in the shop, they would naturally come to repair the car, because the insurance was bought here. Vehicle maintenance is the most important thing, especially for some luxury cars. It is very expensive to change a few accessories casually. Even if the bumper is replaced, the price is usually tens of thousands, especially for vehicles repaired in accidents, which earn higher profits. Of course, this is the money earned by the insurance company.

S shop is not a charity, its ultimate goal is to make money. Because the profit of selling new cars is not high, it is constantly squeezed by other small maintenance points in vehicle maintenance. Therefore, new car sales and insurance are tied together to achieve huge profits. Therefore, when selling new cars, 4S stores generally don't agree with car owners to buy insurance separately.

So must the new car be insured in the 4S shop? It is not a big problem to buy insurance in the first year, because there is no discount for buying insurance in the first year, and the prices are similar everywhere. It's just that it may be more expensive to buy insurance in a 4S store. Of course, some stores may have some discounts or activities, which are generally not too expensive, so you can buy them in 4S stores in the first year, especially novice car owners, if you don't know how to operate in an accident. In the second year, I can find some cheaper places to buy.

Million car purchase subsidy