I believe that during this time, many friends have seen the new energy vehicle premium rise sharply, I have received several friends consultation in the past few days, saying that it is difficult for meow brother to buy a new energy vehicle, I want to save the fuel cost, the result of the premium has risen all the way back in a year, not equal to the white ride, then there is still meaning, and the new energy vehicle is not preserved, on this issue, Meow brother to give you an analysis of the reasons, as well as some of my views.
First of all, the new energy vehicle premium rose sharply, deliberately to check it, not all new energy vehicles, the premium has risen sharply, but some new energy vehicle premiums have risen sharply, so why the big rise, from the composition of the premium to analyze it. At present, the insurance of the car, one is the compulsory traffic insurance, one is the third-party liability insurance, one is the car damage insurance, the three major pieces of insurance, the compulsory insurance is fixed, the third-party liability insurance is determined according to the amount of insurance, the price is not expensive, and now even if the three insurances of 2 million yuan are also hundreds of dollars.
The most elastic piece is the car damage insurance, because the car damage insurance determines the elasticity of the car damage insurance according to the price of the car. 100,000 yuan of cars, and 200,000 yuan of cars, the price of car damage insurance premiums, the gap is quite large, because once a traffic accident occurs to repair the car, or your car is scrapped to compensate, the insurance company bears different risks, certainly the premium is not the same, and this piece in addition to the price of the car, but also with the car maintenance costs are not high, there is also a great relationship.
The probability of this car being insured is high, and the maintenance cost is also high, so at the same price, your car, its premium is higher than others. Similarly, when it comes to new energy vehicles, it is the same, I checked the new energy vehicle premium rise, mainly concentrated in the range of more than 200,000, especially represented by Tesla. Some time ago, my friend mentioned a Tesla Model y and asked me to help him find an insurance company.
I found a familiar salesman to send over, said that my friend's new model y, quote a price, the result of the reply to me is, sorry model y does not quote. That is to say, insurance companies have been evaluating and accounting for new energy vehicles over the years, because new energy vehicles are a new thing, coupled with the increasing integration of new energy vehicle parts in recent years, once the parts inside have problems, or crash and break.
You think this repair, may be a thousand dollars of things, the last one out, a lot of sensors, out of 20,000, 30,000, insurance companies can not count, if in accordance with the previous traditional fuel vehicle method, to calculate the price of new energy vehicles, and the calculation of the premium is a loss. So when the new energy vehicle broke out after the premium rose sharply, the insurance company said its own pain points, new energy vehicles bought insurance, we are all at a loss.
So now in order to amortize the cost, the direct way is to increase the premium of the car damage insurance, so that my cost will be amortized, the insurance company it is a company, is a profitable nature, certainly will not do the loss of the transaction, must have to raise the premium after the cost can be amortized. Especially Tesla, after its integrated body technology investment, the integration of parts on the car is getting higher and higher, and a large section behind the entire body is integrated, and once there is a collision, the cost of replacing or repairing it is much higher than the original.
The whole piece has to be replaced, then its premium may rise, so with the integration of new energy components getting higher and higher, if the maintenance cost remains high, then the rise in premiums is really an inevitable trend. So what we can do is to correctly assess whether we can afford such a drawback brought about by rising premiums when choosing new energy vehicles.
For example, if you originally bought a new energy vehicle, your purpose is to save costs and save fuel, but if the fuel vehicle under the same conditions, its annual premium is cheaper by 3000, 5000, and the distance is not long, and it seems that the fuel car is more cost-effective. And in the future, when changing cars, fuel vehicles are relatively more valuable than new energy vehicles, after calculating, it seems that the cost is indeed not cost-effective, then at this time you have to carefully consider whether you are willing to accept new energy vehicles.
But if you are not so sensitive to the price, the distance is still relatively long, the purpose of buying a new energy vehicle is not to save fuel costs, nor to save costs, but to drive cool, it does not matter, you can not hesitate to choose new energy vehicles, because you are not so sensitive to the price of the person. At present, there is another way, and you want to experience the new energy vehicle driving cool, but do not want to be the insurance company wool, then you can choose a low-priced new energy vehicle.
For example, entry-level, like BYD Dolphin, I checked it, less than 200,000, including the domestic GAC Aean series of new energy vehicles, their premiums, compared with more than 200,000, especially like Tesla and other such highly integrated cars, its premium increase is not so obvious. So you can also go to the phone to consult the premium of this car before buying, and then you decide, because the more expensive the new energy vehicle, the more obvious the trend of premium increase in the future.