Yes When buying a second-hand car with a zero down payment loan, the insurance can be loaned together with the car, because when buying a second-hand car, if you choose a car with a zero down payment loan, then the insurance premium and the car loan can be applied together. Generally speaking, banks or financial institutions will require certain insurance, such as compulsory insurance and commercial insurance, to ensure the safety of vehicles and protect the interests of lenders. The purchase of these insurances is usually included in the loan agreement as part of the loan, so the loan can be made with the car.