How to get insurance when buying a car with a loan?

Process of loan to buy a car and auto insurance:

In practice, lenders are required to take out vehicle loss insurance, vehicle theft insurance, auto-ignition insurance, compulsory insurance and third-party liability insurance when purchasing vehicles, in order to prevent the risks of the vehicles themselves. If the vehicle is stolen, the insurance company can pay the corresponding amount to the owner to repay the loan.

Under normal circumstances, the way consumers choose to apply for a car loan is different from that of the insurance company they are looking for, and some also require an increase in deductible insurance.

These insurances, the insurance period must be at least the same as the loan period, and a one-time payment is required.

Car insurance required for loan to buy a car:

1, compulsory insurance. This is an insurance product that must be purchased according to national regulations. As long as the borrower buys a car, he has to buy compulsory insurance, which is not negotiable.

2. Third liability insurance. In terms of compensation, the amount of compulsory insurance is low. If the borrower buys the third liability insurance, the amount of compensation after the accident will be relatively high.

3. The whole vehicle was stolen and rescued. After buying a new car, it must be as painful as being a baby, especially a good car. Of course, I am afraid of being stolen and robbed. At this time, you need to buy a whole car anti-theft emergency. With this insurance, borrowers don't have to worry about the new car being stolen and robbed.

4. Vehicle loss insurance. This is one of the most common types of new car purchases. If the car is scratched in future use, you can apply for compensation to reduce the loss of the borrower on the way.

5, excluding deductible insurance.

How to claim for loan auto insurance?

After the traffic accident, the insurance claim of the insured vehicle purchased by loan is still the same as that of ordinary insurance claim, except that the amount of insurance claim is paid to me and the loan bank needs to issue a certificate.

1. After the vehicle is purchased by loan, the bank will go through the loan mortgage formalities for the vehicle, and make it clear in the insurance contract that the first beneficiary of the insurance is the commercial bank that handles the loan. In this way, banks can ensure the reasonable income of bank loans after vehicle accidents.

2. When the vehicle is insured, the insurance company will pay the insurance claim amount to the first beneficiary according to the insurance contract. Therefore, after paying the insurance loss, the insured needs to apply to the loan bank for proof and pay the insurance claim amount to himself.

3. It is necessary to prove that the commercial lender has paid the monthly loan on time, and the bank agrees to pay the insurance claim directly to the insured.

After receiving this certificate, the insurance company will directly pay all the insurance claims to the insured.

Do I have to buy a car in a 4S shop during the loan period?

Insurance bought by loan needs 4s shop.

Car mortgage conditions:

1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.

2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.

3. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.

4. Open a savings account in a loan bank.

5. Willing to accept other conditions stipulated by the lending bank.

Shanghai loans to buy a car, must be insured and licensed in the store?

1, you don't have to buy insurance in the 4S shop to buy a car, but if you don't buy insurance in the 4S shop, they will give you less discount on buying a car, and it won't make you cheaper anyway.

Buying a car with money is all-insurance, which is the regulation of the bank. The ownership of the car bought with money actually belongs to the bank, so all risks are the bank's regulations.

The general steps of buying a car with a loan are as follows:

1. Book the car first;

2. Go through the loan formalities in the 4S shop: including providing information and signing the loan details;

3. Wait for the loan agreement of the bank to give the 4S shop this loan;

4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;

5. The customer picks up the car and puts on the card;

6. After the card is completed, the information is mortgaged to the bank;

7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.

How to insure the car bought by loan?

Hello!

At present, you can buy auto insurance directly from relevant insurance websites, among which compulsory insurance is a must. You can buy other types of insurance according to your own needs.

I hope the above answers can help you!

Loan to buy a car insurance problem

Loan insurance generally includes car damage insurance, third party insurance, burglary insurance and glass insurance. Compulsory insurance. In addition to excluding deductible insurance, there are some special risks, such as spontaneous combustion insurance, scratch insurance, and Japanese cars are afraid of smashing cars.

Hello, whether to renew your insurance in 4S shop depends on your personal needs and situation.

The main features of the update of 4S stores are:

1, the insurance price is generally "high" but more convenient; Since 4S stores are often the fixed loss points of some insurance companies, the final fixed loss price is also the maintenance price. If you don't care much about the premium, you don't have time to deal with complicated claims. In order to make claims smooth and convenient, the full set of claims maintenance services in 4S stores will save you time and worry.

2. Pay attention to the insurance that has a fixed loss agreement with the insurance company in the 4S store. There is usually an "authorization card" of the insurance company at the entrance of the 4S shop with a fixed loss agreement with the insurance company, so that you can enjoy the maintenance and claim settlement services of auto insurance with greater confidence.

The characteristics of insurance company renewal are:

1, the premium is relatively favorable; If you are very good at auto insurance and have experience in accident handling and claim settlement, it is a good choice to apply for insurance with an insurance company.

2. Convenient handling; In order to facilitate car owners, many insurance companies have opened telephone auto insurance, online insurance and other services, which are convenient to handle.

3. Fast processing speed and professional service; Auto insurance has an advantage for insurance companies, that is, the insurance business insured by them can get timely feedback and the information provided is very professional.

In addition, you can also go to the third-party insurance online platform to insure auto insurance, which can be screened by many parties and comprehensively compared. It is a popular choice for many car owners.

I hope it helps you.

Insurance, licensing fee and purchase tax are all paid when the car is picked up, and are not included in the loan.

The loan of 65438+ 10,000 yuan to buy a car can be roughly calculated like this.

Down payment:10W30% = 30,000 yuan.

Purchase tax: 8550 (overpayment and underpayment)

Insurance: 4500

Registration service fee: 1000 yuan (excluding license plate)

Loan service fee: 1000 yuan

Loan fee (deemed as interest): 78,000% = 5,600 (according to credit card installment payment, the loan fee of CCB is usually 4% of the loan amount for one year and 8% for two years). The handling fee is paid to the bank when the credit card repays in the first month, and it is not necessary to pay when picking up the car.

Monthly payment: 29 17 yuan (70,000 divided by 24 months)

Total: 385504500100010005600 = 50650 yuan. You can take the car in your early 5w.

How to get a car insurance loan?

Mortgage car insurance purchase: 1. If you buy a car by mortgage, if the loan is paid off within five years, you need to bind the auto insurance for at least five years; In fact, there is no need to buy auto insurance for the car bought by mortgage. When some car owners buy insurance for new cars, they don't know the situation and buy auto insurance. In fact, there is no need to buy auto insurance for new cars. The probability of spontaneous combustion of a new car just leaving the factory is very small. If the car spontaneously ignites, it is a quality problem of the car company, and the owner has the right to claim compensation from the car company. 3. If it is a new car, you don't need to buy self-ignition insurance; If the vehicle parking place is relatively safe, there is no need to insure against theft and rescue; 4. It is best to purchase auto insurance by mortgage through the online auto insurance purchase channel, because the online auto insurance purchase channel is by far the most convenient, fast and affordable, and the car owners who purchase auto insurance through this channel will get the biggest discount, and the car owners who purchase auto insurance through other channels will enjoy the same service.

How to buy mortgage auto insurance

Buying a car by mortgage is the same as buying a car in full: 1, compulsory insurance is a kind of insurance that the state must buy. As long as the borrower buys a car, compulsory insurance is compulsory and there is no room for negotiation; 2, the third liability insurance, in terms of compensation, the amount is low, if the borrower buys the third liability insurance, the amount of compensation after the accident will be quite high; I bought a new car, of course I was afraid of being stolen and robbed. It is necessary to buy a new car for anti-theft and emergency rescue. With insurance protection, borrowers don't have to worry about new cars being stolen and robbed; 4. Vehicle loss insurance, which is the most common insurance for new car purchase. In the future, if you are scratched when you use the car, you can apply for compensation to reduce the loss on the way to borrow the car.

Here's how to buy insurance for a loan car.