不懂就问，为啥电车的保险贵 ？

[cellcycle1]

1，电车本身就贵？
2，电池贵，
3，易故障
4，易“车祸”

5， 太新鲜，很多不可知 ？

到底为啥 ？？

[iMaJia]

1，电车本身就贵？
2，电池贵，
3，易故障
4，易“车祸”

5， 太新鲜，很多不可知 ？

到底为啥 ？？

沒覺得電車保險貴

[cellcycle1]

沒覺得電車保險貴

油车几百，电车都 上千了吧 ？

[iMaJia]

油车几百，电车都 上千了吧 ？

之前保險
2018 Honda Odyssey $950.43
2019 VW Golf $802.87

我現在用 Metromiles, 按里程收，電車和油車差不多

[Burlingame]

电车贵，保险公司黑

[cellcycle1]

之前保險
2018 Honda Odyssey $950.43
2019 VW Golf $802.87

我現在用 Metromiles, 按里程收，電車和油車差不多

我一辆 2016 odyssey， 一辆 2019 sedan， 还有 一辆 老一些，一年 ～1400

[iMaJia]

我一辆 2016 odyssey， 一辆 2019 sedan， 还有 一辆 老一些，一年 ～1400

保險價格便數太多，不同的人不同地址沒法比較。

但你說電車保險貴，我的保險就不是

[BCQ1]

你问那些开EV的，他们当然说便宜，他们要说贵，那不就证明他们是250吗
PROGRESSIVE如是说，请DENIER们看清楚

Although the gap is closing, the purchase price for most electric and hybrid cars (which feature gas- and battery-powered engines) is higher than similar gas-only models. Generally, higher-priced vehicles cost more to insure because they also cost more to repair or replace. Today's electric vehicles also have fewer moving parts than conventional automobiles, but those parts can be pricey. If the battery pack is damaged, certain safety protocols are often necessary, adding more to the repair bill. Plus, there aren't as many shops with technicians trained to fix electric vehicles versus traditional vehicles. That means those qualified facilities may charge more for repairs because of the specialized training required.

All this means potentially higher costs for insurance companies in the event of a claim involving an electric or hybrid vehicle, resulting in higher rates for electric vehicle policyholders. This additional risk has nothing to do with the driver — it's due to the technology in the car itself.

[iMaJia]

我上面貼了賬單，我保險就是 2019 ev 比 2018油車便宜。不能拿 $40k 電車和 $20k 烤肉比

你问那些开EV的，他们当然说便宜，他们要说贵，那不就证明他们是250吗
PROGRESSIVE如是说，请DENIER们看清楚

Although the gap is closing, the purchase price for most electric and hybrid cars (which feature gas- and battery-powered engines) is higher than similar gas-only models. Generally, higher-priced vehicles cost more to insure because they also cost more to repair or replace. Today's electric vehicles also have fewer moving parts than conventional automobiles, but those parts can be pricey. If the battery pack is damaged, certain safety protocols are often necessary, adding more to the repair bill. Plus, there aren't as many shops with technicians trained to fix electric vehicles versus traditional vehicles. That means those qualified facilities may charge more for repairs because of the specialized training required.

All this means potentially higher costs for insurance companies in the event of a claim involving an electric or hybrid vehicle, resulting in higher rates for electric vehicle policyholders. This additional risk has nothing to do with the driver — it's due to the technology in the car itself.

[cellcycle1]

你问那些开EV的，他们当然说便宜，他们要说贵，那不就证明他们是250吗
PROGRESSIVE如是说，请DENIER们看清楚

Although the gap is closing, the purchase price for most electric and hybrid cars (which feature gas- and battery-powered engines) is higher than similar gas-only models. Generally, higher-priced vehicles cost more to insure because they also cost more to repair or replace. Today's electric vehicles also have fewer moving parts than conventional automobiles, but those parts can be pricey. If the battery pack is damaged, certain safety protocols are often necessary, adding more to the repair bill. Plus, there aren't as many shops with technicians trained to fix electric vehicles versus traditional vehicles. That means those qualified facilities may charge more for repairs because of the specialized training required.

All this means potentially higher costs for insurance companies in the event of a claim involving an electric or hybrid vehicle, resulting in higher rates for electric vehicle policyholders. This additional risk has nothing to do with the driver — it's due to the technology in the car itself.

修理费 贵，

[BCQ1]

价值企鹅的调查结果

https://www.valuepenguin.com/how-having ... ance-rates

How Much Does Electric Car Insurance Cost?
by Dillon Leovic
updated Oct 21, 2022
We analyzed six of the most popular electric cars and found that the cheapest EV to insure is the Hyundai Kona, which costs an average $2,152 per year for a full-coverage policy.

For car models that are available with either an electric or gas engine, the cost of car insurance for an electric car is 25% more than the equivalent gas model.

[MaLaRabbit]

修理费贵，大部分地方都不会修

[BCQ1]

别说这个，油车路上抛锚了，AAA随便拉去最近的修车铺一天搞定
特斯拉要等待救援啊，说不定要拉回厂家翻修半年。

[aha]

要相信保险公司的精算员，一定是保险公司保险的范围赔付需要保险公司支出的成本更大

[noid2]

修理费 贵，

电车应该比油车好修，为啥修理还贵？零件贵？

[lsheng]

为啥？电路板坏了一般只能换，因为厂家没提供电路图，坏的零件查找起来需要太多知识和工夫，成本比新买的更贵。机械的东西比起电路来讲简单太多，很多东西坏了一眼就看出哪里坏。电路的东西坏了，可以看看人家怎么修imac的。电路图都在计算机里，几十上百页的图纸，还得是有经验才知道怎么下手查找。要是软件坏了，一般人除了重启也不会啥了。

电车应该比油车好修，为啥修理还贵？零件贵？

[jolly]

问题是拿$40K电车和$40K油车比也不合适啊，同样价格，电车比油车低了一个档次，你开电车愿意开低一个档次？

我上面貼了賬單，我保險就是 2019 ev 比 2018油車便宜。不能拿 $40k 電車和 $20k 烤肉比

[epec]

我家以前2017年的exploer半保，2019 F50全保是六个月518刀，现在exploer换成Mach-E全保，六个月是615刀，感觉还可以，保险是geico

[lsheng]

我家以前2017年的exploer半保，2019 F50全保是六个月518刀，现在exploer换成Mach-E全保，六个月是615刀，感觉还可以，保险是geico

地点很重要。新泽西保险是加州的差不多两倍。便宜的油价就转给保险公司了。

[epec]

我在德州