With the rapid development of the automotive industry, the competition in the new energy vehicle market is becoming increasingly fierce.
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Recently, some netizens found that the premium of Xiaomi cars is very close to that of oil cars at the same price, which has aroused widespread attention and discussion. In response to this problem, Xiaomi Auto responded that it cannot simply compare by car price.
First of all, Xiaomi Auto believes that the premium pricing of new energy vehicles depends not only on the price of the vehicle itself, but also on the "three electrics" system of the vehicle. The so-called "three-electric" system refers to the core power system of new energy vehicles, including batteries, motors and electronic control technology. Compared with traditional fuel vehicles, new energy vehicles have obvious advantages in terms of power performance and mileage, which also leads to the relatively high cost of insurance for new energy vehicles.
Secondly, Xiaomi Auto emphasized that the use scenarios of new energy vehicles are very wide, including driving, parking, charging and operation. Compared with traditional fuel vehicles, new energy vehicles have higher risks and uncertainties in these aspects, so insurance companies will also take these factors into account in their premium pricing.
In addition, factors such as new/used cars, brand, model, merchant type, type of insurance, and sum insured will also have an impact on insurance costs. The cost of insurance for a new and used car will be different, the difference in brand and model will also affect the risk assessment of the insurance company, and the type of merchant (e.g., private car, taxi, etc.) will also affect the cost of insurance. Differences in the type of insurance and the amount insured will also lead to differences in insurance costs.
Therefore, Xiaomi Auto said that it cannot simply compare the premium of new energy vehicles with gasoline cars at the same price. In the new energy vehicle market, the insurance costs of different brands and models are different and cannot be generalized. At the same time, Xiaomi Auto also said that they will continue to work hard to improve the safety performance and quality of vehicles, and provide users with better services and guarantees.
In short, with the continuous growth of the new energy vehicle market, consumers should also understand the relevant insurance knowledge when buying new energy vehicles and choose the insurance plan that suits them. At the same time, insurance companies should also formulate a reasonable premium pricing mechanism according to the characteristics and risk factors of new energy vehicles, so as to provide consumers with more fair, transparent and reasonable insurance services.
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