Although the sales of electric vehicles in China have soared in recent years, we cannot ignore that there is indeed a barrier to the development of this field, and that is the issue of insurance. The reason why many people are shy away from buying an electric car is that they can't afford it.
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In recent years, the competition between fuel vehicles and trams, although the proportion of trams in the automobile market continues to increase, but in the eyes of the public, they still feel that fuel vehicles are more cost-effective.
So, why are the premiums of electric cars ridiculously high compared to gasoline vehicles? In fact, there are many factors to consider here, and the first one is undoubtedly the maintenance cost of electric cars. As we all know, the maintenance cost of trams is much higher than that of fuel vehicles, which directly determines the increase in premiums.
The second thing to consider is the technology of the tram, because it is a new field, so it is difficult for the insurance company to accurately determine the rate for the risk assessment of the tram, and the premium will be set higher for the sake of insurance.
The last reason for the high premium is that the current domestic tram market is unstable, and some tram brands are not highly competitive in the market, making it difficult for insurance companies to determine insurance pricing.
Is it true that the tram is useless? Is it really worthless? The answer is no. It certainly makes sense that domestic trams are developing so rapidly now. Although the insurance cost of trams is expensive, from the perspective of energy conservation and environmental protection, it has incomparable advantages of fuel vehicles.
Therefore, solving the problem of high insurance premiums has become the primary task of future tram development. To fundamentally solve this problem, we need the joint efforts of many parties.
On the one hand, the government should encourage insurance companies to optimize tram-related insurance, and at the same time, strengthen the supervision of tram maintenance, and reduce the maintenance cost as much as possible, so as to dispel the worries of car owners in car maintenance.
In terms of insurance companies, it is necessary to strengthen research on tram-related technologies and formulate a more complete risk assessment system to provide a detailed reference for the accuracy of insurance services.
At the same time, insurance companies should also cooperate with tram manufacturers to further understand the parameters related to trams, and after mastering the parameters related to trams, they can develop more targeted insurance products that are in line with electric vehicles, which can also further promote the development of insurance business and better provide insurance services for consumers.
From the consumer's point of view, if you are willing to choose an electric vehicle when buying a car, then you should consider the two aspects, in addition to comprehensively comparing and analyzing the brands and performance of major trams, but also have an in-depth understanding of products and services related to tram insurance, so that you can enjoy the best insurance services while buying your favorite car. This will also save you from giving up your favorite electric car due to the high cost of insurance.
In general, the development of the domestic electric car market is very good, and from the overall sales of electric vehicles in recent years, we can predict that the future development of electric vehicles is immeasurable. It is undeniable that the advantages of energy conservation and environmental protection can definitely become a strong market competitiveness in the automotive field in the future.
But I have to say that the problem of high tram premiums does restrict the development of the tram market to a large extent, after all, everyone does not want to pay too high insurance premiums after buying a car, which is also the key factor for everyone to choose fuel vehicles. But that doesn't mean we have to give up on tram development. On the contrary, government departments, insurance companies and electric car manufacturers should work together to actively find the best solutions to promote the future development of electric vehicles.