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putting aside the issue of license plates, the most fundamental reason why new energy vehicles are so popular now is that they save money.

buying a new energy vehicle can save you a purchase tax of several thousand or even tens of thousands.

it is more economical to use the car. the electricity fee + service fee is only about 2 yuan per kilowatt-hour even during peak hours. even if a 60-degree battery is fully charged from scratch, it only costs about 100 yuan. in comparison, spending hundreds of yuan to fill up a tank of gas is simply a waste of money in the eyes of many new energy car owners.

this does not include the subsequent maintenance costs. without an engine and gearbox, new energy vehicles generally only need maintenance once a year, and the electrical circuits only need to be checked.

therefore, buying new energy vehicles is simply a legitimate way to "take advantage of the situation".

however, the world is relatively fair. the money you save here will always be made up somewhere else.

car insurance is the biggest headache for new energy vehicle owners today.

can you imagine that the insurance policy for a new energy car priced at more than 200,000 yuan can be more than 10,000 yuan?

onexiaopengthe p7 owner's insurance policy shows that the premium for compulsory traffic insurance and commercial insurance, including normal insurance coverage, is just over 10,000 yuan, which is indeed not a small amount. and this is not an isolated case.

"what happened to new energy vehicle insurance this year? last year it was 3,745 yuan, but this year the quotes from the three major insurance companies have all increased by about 3,000 yuan. the little money saved on gas has been paid into the car insurance."

"my tram was denied insurance this year, so i only bought compulsory traffic insurance. for safety reasons, i dare not drive it on the road, and now i can only park it at home."

"i didn't have any insurance claims last year, but this year i was charged 6,700 yuan, which is 1,900 yuan more than last year. i was completely stunned!"

excluding some of the people whose insurance premiums increased due to vehicle accidents, new energy vehicle owners who renewed their insurance this year generally felt the same way, with premiums generally increasing by 2,000-3,000 yuan, and some even being rejected. the money saved when buying and using the car can offset the increase in premiums in one or two years.

this is exactly the opposite of the insurance logic in the era of traditional fuel vehicles, where the premiums for fuel vehicles become cheaper year by year as the years of use and mileage increase.

by this calculation, the phenomenon that new energy vehicles "save fuel but not money" and "save fuel but not worry" is becoming more and more obvious.

why are insurance premiums for new energy vehicles becoming more and more expensive? simply put, there are three reasons:

1. the probability of compensation for new energy vehicles is high.

spontaneous combustion is a common topic. in addition, most new energy vehicle owners are young people who do not have enough driving experience. some car owners trust the smart driving function of new energy vehicles too much, but when smart driving requires manual intervention, they are unable to intervene and take over in time, which in turn leads to more accidents.

especially in first- and second-tier cities, the number of new energy vehicles on the road is increasing rapidly, and the probability of accidents has increased greatly. insurance companies will also include factors such as the driving habits of car owners and the burden ratio of brand models in risk calculations.

at present, the claim rate of new energy vehicle insurance is about 10 percentage points higher than that of fuel vehicles, so the insurance premiums of new energy vehicles will naturally increase.

1. the compensation cost for new energy vehicles is high.

the cost of materials used in new energy vehicles is already high, and core components such as power batteries account for a large proportion of the cost of the entire vehicle. if the battery is bumped or soaked in water, it is often difficult to repair. even if it does not catch fire, it can only be replaced as a whole, and the cost of compensation is very high.

in addition, such as laser radar,millimeter wave radarthere are more and more driving assistance hardware, and a car often has dozens of radars and cameras throughout the car, and the cost of these hardware is not low. this means that even a simple scratch may cost a lot of money when assessing the damage.

many insurance companies are making losses on new energy vehicle insurance, so it is not surprising that the overall premiums for new energy vehicles have increased.

1. new energy vehicles have a high mileage.

the most unfair thing is that many new energy vehicle owners think that new energy vehicles save money on electricity, and the more they drive, the more money they can get. so after buying a new energy vehicle, they drive it recklessly. some even go back to hitchhike.

but they don’t know that many insurance companies now have their own set of criteria for judging the mileage of new energy vehicles.

generally speaking, if the annual mileage exceeds 20,000 kilometers, it is easy for the insurance company to regard it as an online ride-hailing vehicle. then the insurance company has the right to refuse insurance. some car companies even do not provide lifetime warranty for vehicles with an annual mileage of more than 20,000 kilometers.

in april this year, the property insurance supervision department of the state financial supervision and administration issued the "notice on promoting the high-quality development of new energy vehicle insurance (draft for comments)", which is actually to promote the independent pricing of commercial insurance for new energy vehicles.

judging from the current widespread losses in the insurance industry on new energy vehicle insurance, independent pricing will inevitably lead to an increase in new energy vehicle premiums, and this upward trend will not stop in the short term.

therefore, it makes sense that new energy vehicles "save fuel but not money". as a new energy vehicle owner, you should understand these factors that increase car insurance premiums, try to avoid accidents or reduce the number of accidents if possible, and do not blindly increase mileage if it is not necessary.

for those who have not yet bought new energy vehicles, don’t be too superstitious about new energy vehicles saving money. from the perspective of the entire life cycle of the vehicle, the cost of using new energy vehicles is not that different from that of fuel vehicles. (text/youshi auto laopao)

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