From 7,000 to 22,000, the price of Tesla Model 3 car insurance has been rising, causing heated discussions, and car owners said they cannot afford it.

News on June 24. Recently, Tencent Auto's "High Beam" column reported on the difficulties encountered by many new energy vehicle owners during the insurance process. They generally reported that insurance costs are high, and some even car owners cannot afford the high premiums. And consider selling the vehicle.

According to reports, A female car owner is buying a Tesla Model In the next three years, premiums continued to rise. The car owner purchased this model for more than 200,000 yuan in 2021, with an initial premium of 7,000 yuan. However, by 2023, the premium had increased to 13,000 yuan. What troubled her even more was that when she was seeking to renew her insurance this year, she was rejected by many insurance companies. Ping An Insurance, the only insurance company willing to underwrite the insurance, offered premiums as high as 22,800 yuan. This price is unacceptable to the car owner, because her vehicle is currently valued at only about 120,000 yuan on the second-hand market, and the depreciation rate in three years has exceeded 50%.

The car owner said that considering the high insurance premiums, charging fees and parking fees, the annual cost of owning a car is too high, making her rather choose to sell the car and take a taxi instead of paying such high insurance premiums. She mentioned that in the past three years, her vehicle had been in accident five times, two of which were due to her own unskilled driving, and the remaining three were accidents caused by other people while driving. Although there are many accidents, car owners believe that the insurance company's increase is too high and unreasonable.

It is understood that regarding the reasons for the increase in premiums for new energy vehicles, Xu Yuchen, a founding member of the China Actuaries Association, explained that the higher risk rate of new energy vehicles and the higher maintenance costs compared to traditional fuel vehicles are the main factors leading to the increase in premiums. For example, he said that the maintenance cost of new energy vehicles such as Tesla can easily reach 20,000 to 30,000 yuan, especially if important components such as batteries are damaged. Therefore, when insurance companies face new energy vehicles with a high number of accidents, they will significantly increase premiums to avoid risks.

The above is the detailed content of From 7,000 to 22,000, the price of Tesla Model 3 car insurance has been rising, causing heated discussions, and car owners said they cannot afford it.. For more information, please follow other related articles on the PHP Chinese website!