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The premium has risen by 10%, it is more than 400 expensive, can the zero-run T03 car still be very economical?

The premium has risen by 10%, it is more than 400 expensive, can the zero-run T03 car still be very economical?

Among the many new car-making forces in China, "Weilai, Xiaopeng, Ideal" is recognized as the first echelon, and other brands have great difficulties in entering the game. However, zero-run cars have found a breakthrough in the pure electric mini car market, and zero-run T03 has been loved by many young people with good product strength, and has gained nearly 40,000 sales last year, accounting for nearly 90% of the entire brand sales.

However, due to the decline in subsidies and the adjustment of some pure electric vehicle commercial insurance costs, many zero-run T03 users and prospective users are worried. So the question is, is there a change in the cost of using this car compared to the previous one? Is it cost-effective to use everyday? Next, we will conduct a survey of it, mainly in the maintenance costs, insurance costs and electricity costs.

Insurance costs

At the end of last year, we once conducted an investigation of the insurance cost of the zero-run T03 hot-selling model "2021 400 Light Edition Lithium Iron Phosphate", and after purchasing the three main insurance types of three liabilities, car damage insurance and compulsory traffic insurance, the total premium for the first year was about 4110 yuan. Based on the standard premium of 20% off in the second year and 30% off in the third year, the total cost of the three-year insurance of zero run T03 is calculated, which is about 10275 yuan, and the average annual premium is about 3425 yuan.

The premium has risen by 10%, it is more than 400 expensive, can the zero-run T03 car still be very economical?

After our investigation and inquiry, we learned that the premium of zero-run T03 has increased by a certain margin compared with before, and it has been raised by about 10%. So we take this as the benchmark, calculate the zero-run T03 premium again, and after purchasing the three main insurance types of 2 million three liabilities, car damage insurance and compulsory traffic insurance, the first year premium is about 4521 yuan, an increase of more than 400 yuan, and the total cost of three-year insurance is about 11303 yuan, with an average annual cost of about 3768 yuan.

Maintenance cost survey

According to the maintenance manual, the first insurance time of the zero-run T03 is 3000km or 3 months (whichever comes first), and it is necessary to check the three electric systems, lights, chassis, etc. The inspection fee is free, which is thicker than most new car-making forces. The interval after the first warranty is every 10,000 km or 12 months. In terms of some parts replacement cycle: the air conditioning filter element needs to be inspected/cleaned every 6 months or 10,000km, and needs to be replaced every 12 months or 20,000km; the brake fluid needs to be replaced every 2 years or 40,000km, and if the car environment is relatively harsh, the replacement cycle needs to be advanced, about 1 year or 20,000km.

The premium has risen by 10%, it is more than 400 expensive, can the zero-run T03 car still be very economical?

As with most pure electric models, the maintenance price of zero-run T03 has an advantage, the maintenance cost price of each year or 10000km only needs about 300-400 yuan, we use the annual maintenance price of 350 yuan, three years of driving 60000km for the car cycle, calculating the zero-run T03 maintenance cost, about 1750 yuan. In general, the overall maintenance cost of zero-run T03 is not expensive, the price of accessories and maintenance cycle are relatively long, and the routine inspection is also relatively thick, which can save a lot of money after three years. However, as a pure electric mini car, the single maintenance price of zero-run T03 is still somewhat expensive, and the price of 350 yuan is the same as some fuel vehicles.

The premium has risen by 10%, it is more than 400 expensive, can the zero-run T03 car still be very economical?

Electricity Bill Survey

The NEDC of the zero-run T03 has a maximum endurance of 403km, and according to our understanding, the actual power consumption of this car for 100 kilometers is about 12.9kWh. Therefore, we take the current household electricity consumption of about 0.56 yuan / kWh, calculate the zero run T03 electricity bill, driving 10000 km electricity cost is 722 yuan, driving 60000 km electricity cost is 4332 yuan, the average monthly electricity bill is about 120 yuan. It can be seen that the 100-kilometer power consumption of the zero-run T03 is lower than that of the same level, but because the electricity bill itself is very cheap, the overall difference is not too big, and it only saves a few dozen yuan per month, which has almost no impact on daily travel.

epilogue:

We add up the adjusted insurance costs, maintenance costs and electricity costs, and we can calculate that the cost of a car for zero-run T03 to travel 60,000km for three years is about 17,385 yuan, an average of about 5,795 yuan per year, an average of about 483 yuan per month, and an average daily cost of 16 yuan. Compared with the previous monthly car cost of about 454 yuan, it is about 29 yuan more expensive, and the increase is not large. If you count the differences between different insurance companies, different regions, and different models, the actual increase should be smaller. Therefore, although the insurance has increased compared with before, it has almost no impact on daily use of cars and car maintenance, and the owners of zero-run T03 or prospective car owners do not need to worry.

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