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Hello, I bought a car by installment, but the car dealer asked me to buy insurance from them.
-If you buy a car with a consumer loan in a 4S shop, it is mandatory for banks or financial institutions to purchase specified insurance when picking up the car, which generally includes three aspects: car damage and theft. You have no choice but to listen to others because you borrowed money from others.

-It should be noted, however, that it is not without benefits to buy insurance in 4S stores. Compared with buying outside, 4S stores have more insurance protection.

-In case of an accident, you can directly negotiate with the 4S store to order more products. Repair it if you can, replace it if you can, and replace it if you can't. 4S stores and insurance companies have business contacts and are familiar with each other, which is much easier and more advantageous than being an amateur stranger.

In addition, the insurance provided by 4S stores generally has direct compensation service. In the event of an accident, you only need to call the insurance company and let them go out to the scene. Even some people with clear responsibilities don't have to show up and go directly to the 4S shop to repair the car. The insurance company will directly settle the claim for you without paying the repair fee in advance. Do it.

-Compared with the situation of going out for insurance, insurance is still more troublesome. Taking the car to the 4S shop, negotiating with the insurance company, paying the repair fee, and then going to the insurance company for reimbursement may not save money.

Of course, it may be more expensive to insure in a 4S shop, but now the business of the 4S shop is not good, and the younger brothers and sisters who sell cars are generally assessed to sell insurance. In order to insure you in the store, they will give you some gifts, such as decoration. You can also ask them to give you the kind of insurance that discounts power grid sales in the store. The price is as cheap as outside, but the cost performance is quite high.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.