Is it that if you buy a car with a mortgage, the insurance is not particularly high 5

Yes. This is normal. Because the premium cost of buying a car with a mortgage is also high, because in order to ensure that their interests are preserved and not damaged, the business owner will definitely require the owner to insure the whole car theft insurance, spontaneous combustion loss insurance, and special clauses for non-celebration deductibles, and the limit of third-party liability insurance will also be relatively high.

The normal way to buy a car to buy insurance is completely based on personal wishes, how much to buy, how to buy, through which way to buy are decided by the car owner himself, if only buy compulsory insurance, 950 yuan is enough. If you buy through ** sales, you can save 15% more commercial insurance, and if the insurance combination is inconsistent, it is normal to have a less 1,000 to 2,000 yuan. Therefore, the insurance premium for buying a car through a mortgage will be relatively high.

It shouldn't be, the insurance rate should be the same, the model is different, ** it must be different, and it has little to do with whether the mortgage is mortgaged or not

Are you **? How are the installment charges charged? The insurance is calculated according to the price, number of seats, origin (domestic or imported) and other information, and the insurance cannot be accurately calculated if you do not know the information. I'm doing car installments, see how much you've been fooled...

A few people upstairs said it all, I don't know if you are a ** person, I am from Tangshan in our place to go on the full insurance, but the second year you don't need to go to the full insurance, you can choose according to your needs, but the compulsory traffic insurance is a must, otherwise you are not allowed to go on the road. It is recommended that you go to the insurance company for consultation, and then go to the 4S store to see if the insurance content of the two parties is the same.

1. Whether it is a bank loan to buy a car, an auto finance company loan or a credit card installment, when you buy a car, you have already set the insurance company they cooperate with, such as the auto finance company loan, and even the contract does not stipulate all the types of insurance, you only need to go to the 4S store to pay the money at the time.

Second, if you go to the bank for a loan to buy a car, you can change the insurance company, however, paying insurance to a new insurance company will make you show the previous year's compulsory insurance policy, so these documents need to be kept. If you buy a car with a credit card installment loan, the first year of insurance is full insurance, and you can choose according to your needs in the future.

3. Purchasing vehicle insurance is a special feature of car loan insurance. In practice, the lender is required to purchase vehicle loss insurance, vehicle theft insurance, spontaneous combustion loss insurance, compulsory traffic insurance and third-party liability insurance when purchasing a vehicle, the purpose of which is to prevent the risk of the vehicle itself, such as theft and robbery, the insurance company can pay the corresponding amount to the car owner for repayment of the loan.

Fourth, in addition to several mandatory insurance, car purchase insurance can be decided according to your own needs. Details of the required insurance are as follows:

Compulsory traffic insurance is mandatory insurance for every car owner by the state. When renewing the insurance, the insurance company will adjust the amount of compulsory traffic insurance accordingly according to the owner's insurance record during the one-year insurance period, that is, when the car is renewed in the next year, the compulsory traffic insurance** can enjoy discounts. Commercial Third Party Liability Insurance Commercial third party liability insurance has different insurance coverage amounts and is divided into many different grades.

Usually according to the different circumstances of each car owner, to decide how to insure the vehicle, if the car owner has better economic conditions and strong risk awareness, it is recommended to choose a higher amount.

Car damage insurance is inevitable when driving on the road, no car owner dares to guarantee that there will be no traffic accidents, even if you don't touch others, it is inevitable to encounter vehicle losses caused by others or natural phenomena. Therefore, it is recommended that everyone must buy car damage insurance.

Theft insurance Theft insurance refers to the insured vehicle in the case of non-man-made, unintentional, non-violation, theft, robbery caused by the loss of the whole car and the loss of parts and accessories in the car, after the report, if the case has not been solved within three months, then the insurance company will compensate for the corresponding losses. If the vehicle is recovered, the insurance company will also need to compensate for the damage suffered by the insured vehicle during the period of theft.

Deductible Liability Insurance** Deductible liability insurance is an add-on insurance. In the event of an accident, even if the fault is no longer on the owner, the insurance company will not compensate the owner for 5% or 20% of the insured amount. However, if the owner of the car has purchased deductible liability insurance, then the owner can receive full compensation from the insurance company.

Because this type of insurance is not high but practical, it is also recommended for car owners to buy it.

Buying a car with a loan is generally to buy insurance in a 4S store, and you can choose it yourself in the second year.

Generally, if you take out a loan to buy a car, the insurance company is a 4S store that requires you to buy what insurance, and it is generally difficult to choose by yourself.

This will basically require you to buy a car in the place where you buy it.

For those who are buying a car through a loan for the first time, it is very difficult to understand why car insurance charges so much. What kind of insurance do I need to pay for a loan to buy a car? In fact, whether it is a bank loan to buy a car or an auto finance company, the insurance premium will not be very low.

The insurance that needs to be paid for buying a car with a loan generally includes compulsory traffic accident liability insurance, commercial insurance and some additional insurance. Compulsory traffic insurance must be purchased, commercial insurance includes car damage insurance, three liability insurance, passengers, etc., and additional insurance is what kind of scratch insurance, excluding deductibles and other types of insurance, these can be purchased at the discretion. Therefore, novices who take out a loan to buy a car must negotiate with the relevant personnel when buying a car to know which insurance must be bought and which insurance can be purchased selectively.

Otherwise, once the contract for a loan to buy a car is signed, you will buy insurance that you don't need at all, and you will spend money on those insurances.

I don't know much about that

Summary. Because the premiums of commercial insurance are generally high, and 4S stores require car buyers to take out a lot of commercial insurance, which will naturally cause the premiums to remain high.

Is it that if you buy a car with a mortgage, the insurance is not particularly high.

Hello, I'm sorting out the answer to your question, so please wait a minute

Hello, if you take a mortgage to buy a brawl stall car, the insurance company is the designated uproar in the 4S shop. In addition to compulsory traffic insurance, in order to protect their own interests, merchants will require car buyers to purchase a lot of commercial insurance. For example, full car theft insurance, spontaneous combustion loss insurance, special clauses for non-celebration deductibles, and third-party liability insurance.

My car was bought with a loan, and my husband signed the contract when I signed it, and I didn't look at the contract carefully, and the insurance said that the burial reform training must be with them, but the premium is also ridiculously high this year.

Because the premiums of commercial insurance are generally high, and 4S stores require car buyers to take out a lot of commercial insurance, which will naturally cause the premiums to remain high.

In this case, it is recommended to go to the Industrial and Commercial Bureau to complain and point out the boredom, after all, the 4S store and the insurance company have a cooperative relationship, and you can complain to the Industrial and Commercial Bureau about the 4S store to induce consumption. Absolute bend.

They said that if I want to get the car insurance myself and pay them the insurance service fee, they charge more than 3,000, is this reasonable? How can I fix it.

This is an unreasonable charge, you can refuse, there is no insurance service fee, you just buy a car through a loan from a 4S shop, as for buying insurance is your free burying posture, they can not charge service fees, you can complain to the Industrial and Commercial Bureau.

My car was withdrawn from the auto trade, and the loan was also given by the auto trade.

In the first year, the car insurance was paid 6500, the first year was out of the lead attack insurance, the second year was 6000, and the third year was paid this year, giving ** more than 7000, I think it is outrageous, I should defend where to find a shake to solve it.

The management departments with higher premiums for loans to buy cars are the Industrial and Commercial Bureau and the Insurance Regulatory Commission.

In the third year, ** more than 7,000 yuan, it must be more commercial insurance before the search, it is recommended that Shiqing negotiate with the auto trade to reduce the number of commercial insurance, so as to reduce the premium.

Good. I hope to give a thumbs up, and I wish you a good mood every day.

Mortgage car insurance is bought by yourself, and novice new car owners are advised to buy more and more comprehensive insurance, which will be safer and safer to drive. If you want to make it convenient, you can buy insurance directly at the 4S store where you bought the car.

1. Compulsory traffic insurance. Must buy. If you don't buy it, you can't get a license plate, you have to buy it every year, or you won't have your car inspected.

2. Third-party liability insurance. Be sure to buy it. Even if the owner of the car drives carefully, according to the current traffic law, if the car is lent to someone else to drive, there is a hunger accident and hits someone, it is the responsibility of the car. And just because you drive carefully doesn't mean that others won't hit you.

3. Vehicle loss insurance. It is recommended to buy, each company may have different regulations, Ping An Insurance does not buy this, and many additional insurances cannot be purchased.

4. Theft and rescue: If you come and go in a safe place, you can not buy it. If you are going out or traveling a lot, it is recommended to buy it.

Mortgage car insurance macro leaks the consequences of buying by yourself: in addition to the previous guarantee deposit to not come back, there is also a future mortgage repayment loan after the vehicle needs to be released in the bank to get back the registration certificate will also be troublesome.

In the purchase of insurance, at the legal level, consumers can freely choose the terms of insurance and purchase it outside the 4S store. However, in today's automobile market, there are also many unspoken rules, some 4S stores if you do not buy full insurance or do not buy according to the terms and agreements to buy a car, you may default or fail to buy a car, the most important thing is to see the contract and communicate sufficiently to avoid unnecessary losses.

It is necessary to look at the content of the contract, if the contract is written very clearly, and it is not renewed in the insurance company designated by the guarantee company, it is a breach of contract, and the deposit cannot be refunded. It has become an unspoken rule in the auto loan industry for the guarantee company to designate the insurance company for the borrower: the borrower is not allowed to switch to other insurance companies during the loan term; The first year of the loan must be covered with full insurance.

In fact, in addition to insurance, taking out a loan to buy a car will also involve interest, notarization and mortgage fees, credit investigation fees and performance bonds. Interest is calculated at the central bank's standard lending rate. The notary mortgage fee is incurred because before the loan is repaid, the ownership of the vehicle belongs to the bank, and the motor vehicle registration certificate needs to be mortgaged in the bank, and the fee has a receipt.

The credit investigation fee is generally charged by the bank as 1% of the loan amount before the loan is conducted, but it varies from bank to bank. The performance bond is charged at 3% of the loan amount, and less than 3,000 yuan is charged at 3,000 yuan, and the deposit should be fully refundable after the loan is paid off.

In order to broaden sales channels and help more customers buy cars, 4S stores have introduced financial companies to cooperate to provide loans to customers, and 4S stores have to pay a deposit to the financial company. In order to avoid repayment disputes or inability to repay due to damage, theft and other accidents during the mortgage period, the customer is required to purchase the corresponding insurance through the 4S store during the mortgage period, and if an accident occurs, the insurance company will pay the corresponding compensation to avoid the property loss of both parties. If the customer buys insurance outside, in addition to compulsory traffic insurance and necessary insurance, he may not buy or return car damage insurance, theft insurance and other insurance, which cannot achieve a good protection effect.

For the car dealer to the loan to buy a car customer to collect the "renewal deposit", a legal person believes that there is a lack of legal basis, the purchase of insurance should follow the principle of voluntary, to which insurance company, through which channel, which commercial insurance to buy, these are the rights of consumers, dealers in the name of the mortgage to collect the "renewal deposit", forcing consumers to renew the insurance during the mortgage period, infringing on the consumer's right to choose. (Photo by Yang Weilin, Pacific Automobile Network).

Summary. Hello, glad to answer for you. Yes, the second year of the mortgage car insurance can be changed to the insurance company, the first year of the vehicle's insurance is generally bought at the place where the car is bought, such as a 4S store, and you can choose your own insurance business in the second year.

Hello, I'm glad to answer your questions. Yes, the second year of insurance for the mortgaged car can be changed to the insurance company, and the first year of the vehicle's insurance is generally bought in a blind group where the car is bought, such as a 4S store, and you can choose your own insurance business in the second year.

If you buy a car with a mortgage, then the car belongs to the bank, and you must ask for full insurance in the first year. However, in the second year, you can choose the appropriate Cong Layu car insurance according to the owner's own situation, that is, the second year insurance of the car without mortgage and the calculation method of the second year car insurance of the infiltration section of the car purchased in full are the same.

I hope mine can help you and have a great life!

Hello, please say.

There are still a few mortgages to pay off, and the insurance was not bought from him, does it affect him to send me this message.

Hello, no impact.

From the second year onwards, you can choose the insurance yourself.

Then he will call me again, and I should call that ** to complain to him.

Hello, is the 4S shop very you hit **.

If you complain about the 4S store, you can go to the Industrial and Commercial Bureau or their superior department.

It's not 4S, it's a guarantor company.

Hello, you can report to the CBRC.

The most effective way to complain about the car loan company is to complain to the CBRC department, the car loan company is most afraid of the CBRC department, and the car loan company is most afraid of committing fraud.