If I want to insure my own car insurance, when should I insure it? The thing is like this - I finally made up my mind to buy a new car, but when the car business sent me a quote, the insurance premium directly exceeded my budget. If I do want to insure myself, when should I get my car insurance? Insurance when listed at the supervision station? Or should I insure it after delivering the car? After reading this article, you will know clearly: when to deal with car insurance between purchasing a new car and delivering it.

How to buy car insurance?
"Because you must have compulsory insurance before obtaining a license, it is best to insure the car business with compulsory insurance, and it will make the delivery of the car smoother."

"Before you get your license, go outside the insurance agency and see which one (insurance salesperson) you like. Then go in and get the insurance. It will be done quickly."

"Ask the car dealer for the engine number, and it's quick to apply for car insurance online yourself."

Everyone has their own approach to how and when to apply for car insurance when buying a car. People who do their own insurance homework have a lot of questions. Which approach is better?

Let us first take a look at the process from buying a car to delivering it, and see when you need to deal with car insurance in the regular car buying process:

After we look at the car, confirm the car payment with the car dealer, sign the contract, and pay the deposit, the car dealer will arrange the car. The transferred car will first go to the car factory. In theory, at this time, the car owner can check the car first and make sure that there is no problem with the car, and then prepare to purchase compulsory insurance.

After completing the compulsory insurance, whether you go to the supervision office yourself or ask the automobile business to help you collect it on your behalf, as long as you bring the documents required for obtaining the license, you can go to the supervision office to get the car license. Basically, the car can be delivered in one to two working days after obtaining the license. Among them, if the car business needs to help with compulsory insurance and license plate collection, after the car owner inspects the car, the car business will collect the certificate from the car owner, making it easier to handle compulsory insurance and license plate collection at the same time.

In every link from compulsory insurance to optional insurance (see Figure 1), you can choose to ask the automobile business to handle it for you, or handle it yourself. You can ask the automobile dealer to help you insure the compulsory insurance, and then you can insure the optional insurance yourself after the automobile dealer obtains the license; or you can insure yourself starting from the compulsory insurance, and then go to the supervision office to obtain the license yourself, and then hand over the car after receiving the license. Please deal with the optional risks beforehand.

Clarification of Frequently Asked Questions about Car Insurance and Licensing

Q1. Compulsory insurance must be obtained before obtaining a license. Does this mean that all car insurance must be processed before obtaining a license?
The compulsory insurance must be completed and effective before the license is obtained, while the optional insurance can be purchased after the license is obtained.

There is nothing wrong with "the compulsory insurance must be fully insured before obtaining a license", and the compulsory insurance must be in effect before it can be considered as the so-called "compulsory insurance." However, this does not mean that other types of car insurance must take effect at this time. In other words, the effective date of compulsory insurance and the effective date of optional insurance do not necessarily have to be the same day. Since there is no requirement that discretionary insurance must be insured together with compulsory insurance before obtaining a license, we can wait until after obtaining a license to deal with discretionary insurance.

Dealing with arbitrary insurance means purchasing arbitrary insurance. Before purchasing, you can do some homework on arbitrary insurance first, and discuss the functions and prices of various arbitrary insurances with the business (the business will also discuss with you during this period of theory) ), you can also do some homework on any insurance online. If you are curious about the price, you can go directly to the insurance company's trial calculation website to see what the price is?

Q2. Get a license plate first and then buy insurance? Or should I buy insurance first and then get the license plate?
You cannot get a license plate number for a new car without compulsory insurance. However, whether you go to an insurance company's branch office or salesperson, or you want to apply for car insurance online, you will need the car's license plate number.

However, when insuring a new car, it does not yet have a license plate number. Some people may worry that the insurance company will refuse insurance because of this - there is no need to worry! The insurance company will not refuse your insurance just because the new car does not have a license plate number. Here’s how to take out compulsory insurance without getting a license:

If you handle car insurance and licensing yourself, you can go directly to the agency to handle these two matters. Before you get your license, there will be an insurance company booth at the supervision office. Go directly to one and tell them that you have to get your license by yourself, so you need compulsory insurance. They will issue you a compulsory insurance card without a license plate number.

With this compulsory insurance card and other documents required for licensing, you can go and get the license.

Q3. If the compulsory insurance covers the automobile business and the optional insurance covers the car business by itself, won’t it be troublesome to get into trouble in the future?
If you mean that in addition to compulsory insurance, you also need to buy other types of car insurance, and you are worried about the inconvenience of different insurance companies. But even if you buy compulsory insurance and business from A, and you decide to handle other insurances yourself, you can still choose to buy A’s car insurance. In this way, you won’t have to worry about the troublesome problem of different insurance companies!