Is new energy vehicle insurance expensive? Friends, I heard something incredible: a buddy spent 100,000 to buy a new energy vehicle, but was quoted 30,000 when buying insurance, which can be called a “sky-high price”. New energy vehicle insurance is expensive, and it has been a long time. Previously, a car owner complained in the group that the first-year premium of a new car was more than 6,000, and the premium rose to 6,500 after the accident in the second year. In the third year, the premium was as high as 7,600 without an accident, which is contrary to the common sense that the premium should be reduced as the age of the car increases. So, why is new energy vehicle insurance so expensive? New energy vehicles seem glamorous, but once damaged, the repair cost is amazing. A car owner’s car tailgate was slightly collided and the headlights were damaged. The repair cost was 200,000, while the fuel car cost only 20,000 or 30,000 in the same situation. This is because new energy vehicles use integrated die-casting technology to integrate the originally independent parts, and the entire part needs to be replaced if one part is damaged. There was also a new energy vehicle that was slightly scratched with a Nissan Sylphy, and the repair quote was nearly 20,000. It turns out that the front bumper of new energy vehicles has built-in high-priced components such as millimeter-wave radar and laser radar. One radar is worth more than 9,000 yuan, which is in sharp contrast to the fact that the front bumper of fuel vehicles only costs a few hundred yuan to repair.
The accident rate of new energy vehicles for household use can reach 30%, while that of fuel vehicles is only 19%. On the one hand, this is because new energy vehicles are powerful and difficult for some car owners to control; on the other hand, online ride-hailing vehicles mostly use new energy vehicles, and the mileage has increased dramatically, resulting in an increase in the accident rate.
Compared with fuel vehicles of the same level, new energy vehicles are generally 30% – 50% more expensive. Insurance costs are related to the price of the car, and high car prices naturally lead to rising insurance premiums. There is a joke that vividly reflects the different feelings of owners of fuel vehicles and new energy vehicles at different prices about insurance costs: owners of 100,000-level fuel vehicles think that the insurance premium is equivalent to half a year’s oil money, and it will be fine after the first year; owners of 200,000-level vehicles think that it is not as expensive as imagined, and the cost is acceptable after the first year; owners of 500,000-level vehicles say that the overall cost of more than 10,000 is a bit painful, but it will be fine after the first year; owners of 1 million-level vehicles do not care about the premium of 20,000 or 30,000, as long as they are reminded to renew the insurance. However, owners of new energy vehicles complain that 6,000 in the first year is fine, but why does it rise to 7,000 in the third year, which is more expensive every year. In fact, insurance companies also have their own difficulties. The average claim rate of new energy vehicle insurance is close to 85%. Most insurance companies’ new energy vehicle insurance business is struggling on the edge of profit and loss. Raising premiums is also to maintain operations, otherwise they may have to refuse insurance.
For ordinary consumers, you can refer to the following coping strategies:
1. Compare more: The quotes of different insurance companies vary greatly. Be sure to consult more and choose the one with high cost performance.
2. Choose insurance items flexibly: If you think the cost of car damage insurance is too high, you can consider increasing the deductible, or decide whether to purchase insurance based on your own situation, and save the money yourself.
3. Maintain good driving habits: reduce the frequency of accidents and avoid a sharp increase in premiums.
4. Consider maintenance costs when buying a car: It is easy to buy a car but difficult to maintain it. Choosing a brand and model with low maintenance costs can save a lot of money in the long run.
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