The staff at the auto repair shop said that it is more affordable to buy insurance from them, and the factory can return their insurance commission (service fee) to the customer.

Similar behavior exists in places like repair shops, and the main purpose is to attract customers! Insurance is not its main business, but a means to keep and retain customers! Because the auto repair shop also wants to win over one more customer, the policy coverage is the same wherever you buy insurance. It mainly depends on how strong the discounts you want. But if you are worried about it, ask the auto repair shop if it does the business of a big insurance company. If so, it is best to buy from a big company. Some auto repair shops promote the insurance business of small companies under the banner of cheap premiums. Wait until the insurance company comes out. In the event of an accident, claims settlement is very slow, and the service is not as good as that of larger companies. And when it comes to rebates, rebates are explicitly prohibited by the state!

Article 51 of the "Insurance Company Management Regulations": Insurance institutions shall not grant or promise to grant insurance premium rebates or other benefits other than those agreed in the insurance contract to the policy holder, the insured, or the beneficiary.

Article 130 of the "Insurance Law": Insurance commissions are limited to insurance agents and insurance brokers and may not be paid to other persons.

When choosing an insurance company for insurance, we must first look at the strength of the insurance company. Strength determines whether the company can promptly take out insurance in other places, whether it can bear the losses caused by major accidents, etc.; secondly, we must look at Whether the customer service can solve the problem for you and whether the claim settlement service is convenient and fast also depends on the company's regulations on claims settlement, mainly some exemption regulations; finally, let's look at the price. Since the price of the insurance type itself is not much different, each The difference in prices among insurance companies comes from their own promotion and discount policies. Therefore, car owners should try to choose the one with a larger price discount on the basis of ensuring quality.

When we choose an agency, we must first look at what company it represents, and then make a selection based on the method of selecting an insurance company above. In terms of service, car owners must confirm that the insurance contract and service terms between the agency and the insurance company are consistent. In terms of price, buying car insurance from an agency such as a repair shop generally requires an additional service fee.