You pull the trigger, you write down a bill, and you return the charger deposit. Not because the naked car price of $149. 9 million is not good-looking, but because you're low-handed, checking the second-hand price of the last-generation car. Three years, 30,000 kilometres, and 220,000 in the same year, the second-hand platform now offers a price of 92,000, or “the lowest price on the internet”. All of a sudden you're a little skeptical about math: oil, but money
We only found out when we sold the car
You're very clear about saving oil: 1 kilometre, 20,000 kilometres a year, and five years to save the difference. But the foundation of this algorithm is that your second-hand car can still sell. Now the foundation, is soft。
The data for the first quarter of 2026 of the chinese association for the circulation of cars were there: the three-year average residual value of a total electric vehicle was 45. 2 per cent, with a good fit and 46. 8 per cent. During the same period, the common joint-venture truck had a residual value of more than 52 per cent over three years; some of the head-day family cars had stabilized at more than 54 per cent. This means that you spend 200,000 dollars on a pure train and sell it to a car dealer for three years。
The same 200,000 toyotas or the population can still stand at between 100,000 and 110,000 in three years. The difference between 30,000 and 40,000 is basically the price of the oil you used to say, "surely save back." you think you're cutting it off, you're saving it in a future depreciated account, and you lose it for the last time。
A battery top, half a car. You've got to know something
You used to drive a gas truck, and the engine was fixed for money, but you hit the bumper, you hit the chalk, and you could keep running. The tram is different. The data from the central insurance institute clearly struck the alarm: the single zero-sum average of the power cell of a pure electric vehicle was 49. 59 per cent. That's translated into a big white saying: if you blow up a battery, the cost of a new battery is half the cost of a new car。
Zero-unit ratio of different vehicle-driven batteries to total vehicle prices
In some cases, class 100,000 low-cost trains were exaggerated, with zero-sum batteries drying directly to over 88 per cent。
You're gonna wonder who's gonna have to change the whole battery? In reality, however, even though it was just a low-speed trip, the chassis was lightened and 4s found that “battery bags are dented at 1. 6 mm, requiring a full package replacement”, and the maintenance sheet was struck at 170,000, and the vehicle itself landed at 210,000。
Maintenance staff use equipment to conduct vehicle detection operations
Or you've been driving for three years, and there's a little problem with the battery, and the offer from 4s is $130,000 for the whole package, and your car's already down by 120,000. You're going to have an arithmetical question before you: is it more expensive to fix a car, or are you going to fix it or end it
It's not an increase. It's a payoff for someone else's risk
You think you won't have extra expenses if you get past the repair? On the day of the renewal, you'll probably have a moment to look at the quotations from the app. In 2025, domestic insurance premiums for new energy vehicles were approximately $4360, which is significantly higher than those for industry-wide vehicles。
The average annual premium is about 1. 8 times that of a car of the same grade, and if you buy more than 300,000 high-end electric cars, the annual premium is over half a million。
The insurance companies didn't hide, and the central reason given by the authorities was clear: new energy cars cost 2. 2 times as much as oil trucks, but you pay 1. 7 times as much insurance. The average risk cost is 0. 5 times the median, and the industry lost a total of $5. 6 billion last year. That's why you found out that even if you're in the middle of a year of zero violations and zero risk, the next year's renewal of insurance could be worth hundreds or thousands。
Revenue from vehicle insurance premiums and industry losses, 2023-2025 figure
It is not that you are not driving well enough, but rather that there are a large number of high-risk models and owners who have insured their cars for domestic use, whose losses are distributed evenly to your premiums through actuarial methods。
Buying a car and looking at the price of a naked car is like buying meat at a supermarket -- you pick it up and you think it's okay, and when you really close the bill, you find that the cost of this meal is far more than expected. The train is the same thing. The time has passed for the price of naked cars to be seen behind closed eyes。
