Afford it, can't afford it! Tesla's premium is 20,000 a year, and the insurance is more expensive than luxury cars

Kung Fu shooting

2024-06-25 20:07Posted in Guangdong automotive creators

Recently, a friend sold his Tesla Model 3. The car I bought at the end of 2020 was driven for more than three years and finally sold for 100,000 yuan. In his words, the car is actually quite liked, but it is really "unaffordable".

Of course, this "can't afford to drive" is a joke, strictly speaking, it's actually a little tired of it, and he wants to change to a new car to have fun, and it is true that the cost of using the Model 3 makes him a little unbearable.

Shouldn't the cost of using and maintaining a train be low? Why do car owners feel stressed? Let Kung Fu Motors take you to take a look.

(1) Recurring yesterday, this time is insurance too expensive?

This friend is a veritable "geek" who loves cars and loves to play with cars. Before the Tesla Model 3, his car was a BMW 5 Series, which landed nearly 500,000 that year.

After driving for more than 5 years, he was a little disgusted, feeling that the configuration was too low, and the handling was the same, and more importantly, the cost of repairing the car was increasing.

This friend has a very interesting theory, that is, no matter how much it lands, how much is the car worth when selling second-hand, and how much is the experience of driving.

When he bought the car, the 5 Series was also a fairly classic model, using an N20B engine matched with a ZF 8AT gearbox, which stood out for a silky shift. 10 years ago, the car's handling could be said to be unbeatable in its class.

But after a few years of his drive, the problems began to appear. BMW's engine performance is indeed fierce, but there are also many problems, especially in terms of oil and water, which are often "explained" unclearly. After more than 150,000 kilometers, problems began to arise. In his words, he has to put on several shows every year, although he has tried his best to find a cheap place to repair it, and the maintenance cost of more than 10,000 yuan a year can't be run. Coupled with an insurance of about 15,000 a year, he will break the defense with it.

When selling the car at that time, the owner of the car dealership gave him a quote of 170,000 yuan. His heart was broken, and then he quickly realized that this car looked like a BMW to others, and in fact the experience was similar to that of a new car of about 170,000 at that time, because technology was advancing. Driving a car of 170,000 yuan will cost more than 30,000 yuan per year on insurance and car repair, as well as more than 10,000 yuan for fuel, and this cost will become higher and higher in the future, and even the annual cost of using the car may be "upside down" in the future.

So he made a quick decision, sold the car, and changed to a Tesla Model 3 as soon as possible (not long after it was made in China at that time). In his words, it feels like "the sky is dawning", and it is really a hanger in all aspects.

When he picked up the car, Tesla sales told him that although the insurance cost more than 7,000 in the first year, if there is no insurance, it will be discounted every year in the future, and an average of 6,000 a year is too much. He didn't go to his heart, all he thought about was that this car was really cost-effective, because the imported version sold for more than 400,000 yuan, and he used to be itchy, and now he can start with more than 200,000 yuan, how can he be satisfied.

didn't expect that people were not as good as heaven, and after just over three years, he regretted not wanting it. Because of several accidents, his car insurance not only did not drop, but also rose every year, and now it is almost 20,000 a year. A car with a residual value of 100,000 yuan (the configuration may not be as good as a new car with 100,000 yuan), but the insurance premium alone costs 20,000 yuan, and this cost may increase in the future, he feels extremely desperate.

In just a few years, it actually reappeared yesterday.

(2) All three parties are responsible, and the owner is the most unlucky?

Of course, insurance is expensive for many reasons. Car owners, insurance companies and Tesla manufacturers are actually inseparable, and the three together have created today's situation.

This friend is indeed not a fuel-efficient lamp, he once gave me a "face-to-face lecture", saying that it is okay to turn around at a red light without looking at the light, because as long as you don't break through, there is a 90% probability that you will not shoot. also said that he has been traveling south and north for so many years, and he has never been recruited.

In some places where it is difficult to park and the front and rear cars are very close, he is also full of confidence, whether it is a BMW 5 Series of more than 5 meters or a Model 3 of 4.8 meters, as long as he feels that the position is enough, he dares to start. With such a "powerful" state of mind, why worry about accidents, so he never broke off his drive. Fortunately, the technology is still excellent, and nothing major seems to have happened.

Is there a problem with the insurance company? Of course, there are also those who repair each time they are over-repaired, bumping into a block, and replacing a large piece at every turn. Slightly scratch the two panels, repair the paint is 3000 yuan, and change the tire directly is 1200.

The reason why insurance companies are expensive to repair cars is largely because of Tesla's expensive pricing. Ordinary scratching thousands of pieces are common, and once the front and rear covers are replaced, the price starts at 20,000. Once the all-aluminum body has a large loss that cannot be repaired, the manufacturer will contact it to scrap it. There was news before that a Model Y hit the wall, and the insurance company estimated that the repair cost would be 200,000, which caused an uproar.

For the earliest Tesla users, this was not too much of a problem. After all, in their hearts, Tesla's benchmark is BBA, or even one level higher, and this fee is acceptable. However, for today's new energy vehicle users, many people actually want to use the car and have low maintenance costs, so it is necessary for them to be psychologically prepared in advance.

(3) Bringing down the cost of using a car, is it not unsolvable?

Many people think that since Tesla is expensive to repair cars and insurance, it should be the case for the entire new energy vehicle industry, after all, everyone's technology is very different, but the actual situation is really not the case, for example, BYD's maintenance costs are very low.

From the side, BYD Han has almost the largest number of cars, and the price of car repair is also extremely close to the people. Change a guard plate 270, sheet metal + touch-up paint 600, and change a headlight 3000, this zero-integer ratio is really scary.

On the one hand, this is also because the technology is not so "advanced", for example, BYD did not use an integrated stamping body, and the entire body is still broken. Moreover, most of BYD's parts are self-produced, such as the headlights are Fodi Vision Company, the battery is Fodi batteries, and the motor is Fodi motors, and the price will naturally be relatively cheaper.

In addition, BYD also pays attention to reducing the cost of users' cars, and began to start the battery with lithium iron phosphate batteries a few years ago. Compared with the lead-acid batteries commonly used in the industry, BYD's "small battery" is maintenance-free throughout the life cycle, which alone saves customers at least 2,000 yuan.

The most excessive thing is that BYD has begun to do self-insurance, which is equivalent to not allowing insurance company middlemen to make the difference, and directly selling their own cars and repairing them themselves. The current information is 20% cheaper than other insurance, and it is believed that with BYD's continuous deepening of the insurance business, excessive maintenance will be reduced, and everyone's car costs can be further reduced.

Compared with Tesla's way of passing on all costs to consumers, BYD's approach of considering the whole situation is still worthy of praise.

(4) Kung Fu shooting

In addition, "spoilers", this friend who was hurt by Model 3 started a new round of "car tour". At present, the two favorite cars are Extreme Krypton 001 and Deep Blue G318, as for why they are two cars with such different temperaments, only he knows.

The times have been advancing, but I don't know if the "dream car" he chose this time will "backstab" him in a few years?

View original image 232K

• 

• 

• 

• 

• 

• 

•