What are the advantages and disadvantages of buying auto insurance in 4S shop?

The difference between buying auto insurance in a 4s shop and outside is that:

For an insurance policy, it makes no difference.

For the premium, there is a difference between buying in a 4S store and buying outside.

Generally, the cash discount of 4S is less than that outside, and more coupons will be sent for you to spend in their stores.

1, it will be much cheaper to buy it in an insurance company. Generally speaking, the insurance company will determine the premium according to the model, accident rate, market price of accessories and other expenses. And the premium benchmark is lower, so it will be more affordable in terms of auto insurance premiums.

Most of the 2,45 stores are more expensive than going to an insurance company.

The advantage of buying auto insurance in 4s shop lies in after-sales service. After an accident, customers don't have to worry about claims. Generally, they are sent back to the original factory for repair, and the accessories are original, and the quality is always guaranteed.

The advantages of buying insurance in 4s shop

1 and 4S stores generally quote all risks for insurance, and the types of insurance are selected and deleted according to customers' own needs.

2. Insurance companies that do not cooperate with 4S stores usually only quote the most basic models, generally: compulsory insurance, car damage insurance and the three (5-65438+ 10,000). Some insurance companies will not explain the travel tax on the phone (the travel tax is levied by the insurance company on behalf of the local taxation bureau, and the customer agrees).

It will not even increase the deductible for customers. The purpose is to deepen customers' impression of premiums and attract customers to buy insurance. As for other types of insurance, such as excluding rabbit compensation, customers will generally be asked to recalculate the quotation after receiving the account.

3. The insured parts are not original parts: mainly reflected in the separate damage insurance of glass. Because Mercedes-Benz's glass is imported, the premium is relatively high, but insurance companies that are not in 4S stores are trying to widen the premium gap with 4S stores. Generally, you will choose to insure domestic glass, which will reduce the premium to a certain extent. However, once the glass is damaged after an accident, when the glass is replaced in a 4S shop, the price of the glass is different (the domestic glass is insured and the imported glass is actually replaced), so the customer still needs to pay the difference.