Let me give you an analysis of several advantages of selling cars in 4S shops:
1. I believe many people know that the insurance business of 4S stores is also an extension of cooperation with others! Why do they strongly recommend that you buy insurance with them? In fact, everyone knows that it will be good! Insurance companies will give them rebates, and general insurance rebates range from 20% to 30%! Imagine that the insurance is 6000, and according to the 20% rebate, the 4S shop will have more profits of 1200! So of course, the 4S shop will try its best to get your insurance from him!
2. The task rebate given by the manufacturer is also the biggest benefit of the 4S shop! The general manufacturer will give the 4S shop a task. It's usually a quarterly task. How many cars can a 4S shop sell? After completing the task, the manufacturer will give a rebate to the 4S store!
3. General manufacturers will give preferential activities for the profit of car price! For example, the official guide price of Yinglang 20 18 model 18T automatic elite model is 133900, and now the preferential policy in Chongqing is about 32,000. If the final preferential price of the 4S shop is 28,000, then he earned 4,000 in the preferential policies given by the manufacturer!
When I first heard that all cars had to be insured in a 4S shop, Ms. Yu was also very angry and felt that she had tied the car with insurance. My intuition tells me that there must be something fishy in this. Later, I gradually learned about this industry, so now it is more of an understanding. However, as far as Ms. Yu knows, in some places, it is not necessary to buy insurance at the store to buy a car in full. However, the loan to buy a car is non-negotiable, and it must be bought in a 4S shop, and it is all-insurance.
As the saying goes, getting up early is not good and difficult. If the employees in the 4S store don't have insurance benefits, there is nothing you can do. It takes time for people to go back and forth to go through the formalities for you, right? Therefore, it must be interesting for you to buy insurance in 4S stores.
In fact, insurance companies will give 4S stores a 20% rebate, some even higher. According to the general premium of more than 5,000 cars, 20% can give a rebate of more than 1 1,000 yuan, which is much more profitable than selling a car in a 4S shop. Some salespeople say that they sell a car in full, and the commission is only tens of yuan, less than 100, while 4S stores only earn a few hundred yuan.
Financial services such as insurance and car loans can get hundreds of commissions for salespeople in 4S stores. You said that under such a reward mechanism, the employees of the 4S shop would of course let you buy insurance from him.
Not only that, it is not easy to sell MM and GG. They have sales tasks every month. In addition to the number of cars sold, there are also the number of insurance and loans. If they can't earn a low income, they all want to work and survive.
As we all know, the insurance will be discounted in the second year, and some items will be directly discounted by 10%. Then why is insurance so high in the first year? The main reason is that in order to control risks, insurance companies didn't check the driver's technical and psychological quality before taking out insurance, but in the first year, who knows what your driving skills will be like and whether there will be many accidents, so what they can do is to raise the premium and let the money speak for itself.
In the second and third years, if insurance is not provided, the insurance company will be happy. Welcome such customers, give some rewards and the premium will be discounted.
Of course, in the final analysis, insurance only brings protection to our family life. In case of an accident, the family economy will not be damaged, otherwise it will hurt the family, so it is better not to drive! This is the purpose of compulsory insurance in 950 yuan.
Interestingly, according to the latest news, motorcycles and electric vehicles are considering whether they need to buy compulsory insurance. Do you think this is an improvement? Or is it an improvement?
If you pick up the car in full, you don't have to insure it in the 4S shop. But many times, there are many "price traps" in the sales of 4S specialty stores. Here, we still need to be vigilant.
Under normal circumstances, car price concessions are not as big as those on the Internet. For example, in some car sales networks, it is often seen that "dealer quotation" is particularly crazy. Take Audi as an example:
Is it actually this high? No, but how did you get this preferential amount?
You must get a license, insurance, replacement, loan and pick up a car this month.
For example, ask the price of the car, and the dealer will tell you that the car is 5W discount. How did this 5W come from? Add the price of license plate, insurance rebate and profit of second-hand car replacement to the naked car discount, and turn the pure naked car discount into the so-called "comprehensive discount". If you buy a car according to this comprehensive discount, it is equivalent to accepting the dealer's suggestion, so it is natural to deal with it according to the terms of the comprehensive discount.
So when we talk about the price, we must negotiate separately. We only talk about the discount on naked cars, and then talk about it after we talk about licensing, insurance, boutique and other naked cars-or we can directly discount these discounts, then take the naked cars away and license and insure ourselves.
This "threat" is not really a threat. You must take out insurance for it, otherwise it will "threaten" your safety. The effective date of insurance is 24 hours, so the seller will tell you that if you get on the naked car directly, your car is not guaranteed during the period when you don't buy insurance. It's safest for you to buy insurance here first and pick up the car the next day.
Don't be fooled, you can pay the money, buy your own insurance with relevant information, and pick up the car after the insurance takes effect.
Secondly, insurance will have a certain percentage of rebates, so the price is not on paper, but also after the rebate. When buying your own insurance, you must remember to ask about the rebate.
Above, thanks for reading, welcome to pay attention.
It has become an indisputable fact in the industry to buy a car in full in 4S stores. You may think that the main profit source of 4S stores is selling cars, but this is not the case. 4S shop is not a car manufacturer, it is only a dealer, so its profit is limited. Most 4S stores rely on the turnover of cars and then go to the manufacturers for kickbacks at the end of the year. Of course, manufacturers will also give some support to 4S stores, but they will not let 4S sell as much as they want. There is a uniform regulation on vehicle prices, and so is the preferential strength. Therefore, 4S stores will find some cooperation in aspects related to new cars, and insurance companies are one of them. Many insurance companies have insurance specialists in 4S stores. Generally speaking, there are several different insurance companies for customers to choose from. You must want to buy a car with more discounts and a bargain. But don't forget, the wool is on the sheep, and what you buy is not as smart as what you sell. If you ask for a cheap car price, then 4S stores will have corresponding policies to respond to you. For example, forcing you to buy insurance in the store, a series of renovations. Since the 4S shop cooperates with the insurance company, there must be a rebate. If you insure in a 4S shop, the insurance company will refund some money to the 4S shop according to the contract. And generally speaking, the insurance for a new car in the first year will be more expensive, so you can't just take compulsory insurance. Generally, it should be taken with the business. It's actually quite understandable. The insurance of the vehicle comes with the car. In other words, even if you have a 10 vehicle, although you haven't used insurance much, other vehicles will be discounted when they are insured. But when you buy a new car and get insurance, it's more expensive. Because people don't know who can drive this car, and they don't know how your driving skills are. There are many traffic accidents on the way home from a new car, so the insurance company will definitely maximize the insurance cost in the first year of the new car for the sake of insurance. Most 4S stores have two sales methods. If you choose the preferential policies given by 4S shopping malls, you must take out insurance in the shopping malls. There are also 4S stores that don't force you to insure the new car in the store, but you may not enjoy the lowest preferential policies. Or if you don't have insurance and want to enjoy preferential policies, do decoration in the store. In this case, the general decoration type is determined by the 4S store, so you can choose multiple items or packages. But it is basically impossible for you to make the miser penniless.
Brother Yan's point of view: As for whether the new car is insured in a 4S shop, if the 4S shop is not mandatory, it can be chosen according to the situation and needs. If the insurance you bought outside is not much different from the insurance price of the 4S shop, you can go to the 4S shop if you are afraid of trouble.
Introduction: I personally worked in a 4s shop for a while. I think it is very appropriate for me to answer this question. There are also many fans who send me private messages about insurance. Today, I will talk to you about why you must insure your car in a 4s shop.
Let's take a brief look. Car insurance is made up of those two pieces. Be sure to insure the compulsory insurance, because your new car must have an accident when it is registered at the vehicle management office, and you must pay the original compulsory insurance. As for commercial insurance, you can buy it or not, but everyone must buy it.
Information is very developed now. We can inquire about the price of the car from any car website of the mobile phone or call the 4s shop. In addition to 4s stores, auto trade can also sell cars. So it is very rare for dealers to make money by selling cars now. The insurance rebate is probably more than two thousand, or more than three thousand.
The insurance for a new car in the first year is very expensive, even if you don't buy a car in a 4s shop, the insurance is also very expensive. Some people may say that insurance companies know people who can get more than 2,000 or 3,000 rebates. But on the whole, there are relatively few such people. Because it's your first year to buy a new car, the insurance company doesn't know how your driving skills are. Therefore, it is risky for them to take out insurance in the first year. In order to minimize the risk, the insurance for the first year is very expensive. After the first year, you haven't been insured, which means that your driving skills are still very reliable, or you drive very steadily, so your insurance will be discounted in the second year. However, if you take out insurance in the second year, the insurance cost will rise in the third year.
Conclusion: don't worry too much about auto insurance, because not only buying a car in the first year is expensive, but also buying a new car is expensive.
If you buy a car in full, the 4S shop has no right to ask you to insure it in the store, as long as you pay attention to whether there are other additional conditions when negotiating and signing the contract.
At present, the price of vehicles is relatively transparent, and some vehicles have large preferential margins, making 4s unprofitable at all. And some people will definitely ask for something when they talk about the price with 4S, such as the whole car film, driving recorder and so on. Although these things are not very valuable, they are at least money. Once these things are given, plus the preferential price, 4S will basically have no profit except taking kickbacks from manufacturers. Moreover, sometimes 4S also stipulates that insurance rebates are for salespeople. The sales staff's car commission is very low, and they rely on some rebates to eat. If you don't insure there, the sales staff will definitely be unhappy.
When I bought a car, they also asked me to apply for insurance in the store, but they said it well. At that time, the salesperson said to me, "Look, brother, you have a great discount on this car now, and you have given me so many things. I won't make money if you don't buy my insurance. You have to leave me a way out. " Of course, I know what he said is definitely not completely right, but I believe it is similar. I insured the store for one year according to my own wishes. After all, people have worn out their mouths and let you buy a car. We should at least leave some thoughts for others!
All hands, give a concerned comment and support! thank you
Hello, if you buy a car in full, you don't have to buy insurance in the 4S shop, but if you pay in installments, the 4S shop will ask you to buy all insurance in their shop.
Why is the insurance purchased in 4S stores so expensive?
This is because 4S stores can get generous kickbacks from insurance. Although customers don't like this way, they will find various reasons not to sell some popular types to you.
Pay attention to the following points when buying a car:
First, the insurance purchase time.
Vehicle insurance can generally be purchased after a new car has obtained a certificate. If you are renewing the vehicle insurance, you can purchase insurance within one month before the expiration of the vehicle insurance in the previous year.
Second, the items to be insured.
If you buy a new car, you should try to buy a whole set. For beginners, pay more attention to car damage insurance, glass insurance, three-way insurance and separate painting. Of course, how much third-party liability insurance do you have to choose according to your personal economic situation? However, if the vehicle is used for a long time and the driver has a high driving experience, he can choose to buy less items, and generally only buy car damage insurance and third party liability insurance.
Third, don't take off the insurance of the vehicle.
Overinsurance means that the insurance time of the vehicle has passed and you have not continued to buy insurance. In case of insurance loss, the insurance company needs to check the condition of the vehicle when purchasing insurance again, and the procedure will be very troublesome.
Therefore, if you buy a car in full, you can choose not to buy insurance in the 4S shop.
If you pay by installment, generally speaking, you must buy insurance in a 4S shop, which is relatively expensive, but it will be relatively convenient for future claim maintenance.
Profitable! If you want to buy a car in full, you have to buy the first year insurance. One is to look at people, and the other is to look at shops. If the insurance price in the first year is suitable, compulsory purchase is ok. The key is that thieves are expensive, there are many kinds of insurance, and the insurance coverage is not high.
You can choose to buy your own insurance if you buy a car in full, but this should be said in advance. And if you choose to buy your own insurance, 4s will definitely find ways to make up for it from other aspects, such as car price concessions, gifts, bundling and so on. My suggestion is that compulsory insurance should be bought in 4s, and commercial insurance should be discussed later. Compulsory insurance is not the key. The key is whether the compulsory insurance value is worth it. After all, commercial insurance is available everywhere. As we all know, the refund amount in insurance is discounted. Under the condition that the types of insurance and the insured amount remain unchanged, some of them are as high as 50% or more, which is negotiable. If you buy insurance, the focus is not on the price, but on the insurance content (including what types of insurance, the amount of insurance for each type, and the premium).
Now the car price is very transparent. In order to make a profit, 4S relies on kickbacks from manufacturers and Barabara, a salesman. For example, if the manufacturer gives you a discount of 30 thousand and the salesman can give you a discount of 25 thousand, then you don't have to buy insurance. But if you are a master bargainer and give you a discount of 30 thousand or 3w+, then you must make a profit by bundling business. So the wool is still on the sheep, but the price should be cut, the insurance should be cut, and all the places where the money should be spent should be cut.
4S insurance is expensive because there are too many messy risks, and the cost base is still very high, such as glass insurance, scratch insurance, burglary insurance, spontaneous combustion insurance, engine water insurance (almost impossible in northern China), and designated repair shops. And our practical three responsibilities, car damage and personnel are often very low, which is not practical to put it bluntly.
When buying a car, many people often only pay attention to the price of the car, and the insurance and installation of the car are often ignored, and 4s takes advantage of these places that you can easily ignore. Therefore, the bargaining of buying a car not only cuts the price of the car, but also cuts the insurance, installation and installment costs.
The reason is simple! In the 4S insurance store, they have a commission! And very common! Commissions on insurance and car loans have become a big source of profits for many 4S.
Post a dealer group gross profit map and you will know. Guanghui Group is the largest dealer group in China. They are listed companies, so their financial information is public.
The commission agent mentioned in this picture refers to insurance and car loan commission. Then you can see that maintenance services also account for a large part of gross profit!
As for the topic that buying a car in full must be insured in a 4S shop, it belongs to the overlord clause. Personally, it is because the car price has earned a lot of profits, so the 4S shop has to earn back on insurance.
As for Guanghui Group in the above picture, their gross profit margin of selling new cars is only 4.04%, which is the lowest in their business sector! You can't make money just by selling cars. So now it has led to a phenomenon. Now go to the 4S store to talk about the price. After calculation, you can't figure out the price of naked cars, because they are all packaged and sold, so I will give you a total price. This total price, in addition to the car, always add some accessories, such as tire pressure monitoring, touch screen, leather seats, etc., and then there may be licensing fees, insurance, car loans and so on.
As for the high insurance cost, this ... depends on what you buy. There is reason to think that ... insurance is your choice, not forced by the 4S shop, right? For reference, a Toyota grocery truck landed less than 1.4 million, and bought nearly 6,000 on term insurance, which was also bought in a 4S shop. Is it expensive?
That's why. Understand?
For individuals, it is the same everywhere when they are insured for the first time. There is no discount, so choose four kinds of all risks (three, car damage insurance, theft insurance, excluding deductible), plus a compulsory insurance.
For 4S stores, cooperation and association with insurance companies will definitely give them some rebates, so they will try their best to pull this part of insurance when selling new cars. Of course, you really don't want to pay in the store, so you insist on going outside. The car is not easy to sell now, and they won't stop selling it to you for this reason.
Since the second year, there has been a considerable discount on insurance. My personal car is commercial insurance with 50% cash back. Of course, a travel tax is inevitable. The 4S store should be the return voucher, in order to help you maintain it in their store, but it is actually my own money.