Name: 汽車保費好貴！Two Cents 教你降低車險費的 10 種超實用方法！ (10 Ways to Lower Your Car Insurance Premiums)
Uploaded: 2025-08-13T11:54:23.000Z
Duration: 7 min

Auto insurance companies use a lot of info about you to determine your premiums.

汽車保險公司會使用很多關於你的資訊來確定你的保費。

程度副詞

Your age, gender, marital status, education level, financial history, even your living situation.

你的年齡、性別、婚姻狀況、教育程度、財務記錄，甚至你的生活狀況。

They're in the business of trying to predict the future,

他們的工作就是試圖預測未來，

and they think a young, unmarried guy with a bad credit score who shares an apartment with his bros is more likely to be a reckless driver than a middle-aged mom in the suburbs because, well, most of the time it's true.

他們認為一個與兄弟合租公寓、信用記錄不良的未婚年輕人比郊區的中年母親更有可能成為魯莽的司機，因為大多數情況下這是真的。

This may make it feel like auto insurance rates are out of your control.

這可能會讓人覺得汽車保險費率不受自己控制。

People who depend on their cars may think of it as an expense that's written in stone and may overlook it as a source of potential savings.

依賴汽車的人可能會認為汽車是一筆寫在紙上的開銷，而忽略了它是一個潛在的節約來源。

There are, in fact, many ways to lower your car insurance premiums, but not all of them are right for everyone.

事實上，降低汽車保險費的方法有很多，但並非所有方法都適合每個人。

It depends on your situation, your personality, and your comfort level.

這取決於你的情況、個性和舒適度。

Some may involve changes in your behavior or routine.

有些可能需要改變你的行為或日常作息。

The first step is to make sure you're getting the best rate that your current insurer can offer you.

第一步是確保你目前的保險公司能為你提供最好的費率。

Most insurance companies have a long list of possible discounts listed on their websites.

大多數保險公司的網站上都列出了一長串可能的折扣。

Things like driving less than 10,000 miles a year, owning your own house, or even having a kid with good grades.

比如每年駕駛里程少於 10,000 英里，擁有自己的房子，甚至有一個成績優秀的孩子。

Some of these discounts may be automatically applied to your policy, like driving a car with a higher safety rating, but others you may need to opt into.

其中一些折扣可能會自動應用到你的保單中，比如駕駛安全等級較高的汽車，但其他折扣可能需要你自己選擇。

There are changes you can make to your policy that will bring down your premiums, and the most obvious is raising your deductible.

你可以對保單進行一些更改來降低保費，其中最明顯的就是提高免賠額。

A deductible is the amount you are personally responsible for paying when filing a claim.

免賠額是你在提出索賠時個人負責支付的金額。

The higher the deductible, the lower your premium.

How much you're comfortable shelling out in case of an accident may depend on your financial situation,

發生事故時，你願意支付多少保費取決於你的經濟狀況，

but Consumer Reports estimates that going from a $500 deductible to $1,000 can lower your premium by an average of 20-25%.

但據《消費者報告》估計，從 500 美元的免賠額提高到 1,000 美元，平均可將保費降低 20%-25%。

That means if you're paying $1,000 a year in premiums, the savings would equal the difference in deductible in just two years.

這意味著，如果你每年支付 1,000 美元的保費，那麼僅在兩年內節省的費用就相當於免賠額的差額。

You can also downgrade your coverage to liability only, meaning if you're at fault in an accident, your policy would only cover damage to other people and property.

你還可以將你的保險降級為責任險，這意味著如果你在事故中存在過失，你的保單將只承保對他人和財產造成的損失。

This especially makes sense if your car is older or inexpensive and wouldn't be a huge loss if it's damaged or totaled.

如果你的汽車車齡較長或價格低廉，即使損壞或報廢也不會造成巨大損失，那麼這樣做尤其有意義。

The average liability only policy costs less than half a full coverage policy.

只承擔賠償責任的保單平均費用不到全保保單的一半。

One caveat on that, a liability policy will only pay damages up to a limit per incident.

需要注意的是，責任保險只能在每次事故的限額內賠償損失。

Anything over that limit, you'll be personally responsible for.

超過限額的部分由您個人承擔。

Most states require a liability coverage minimum that's far below what you could actually be sued for if you cause an accident.

大多數州要求的最低責任保險額遠遠低於你在造成事故時可能被起訴的實際賠償額。

In these cases, courts can take your home, your investments, and even garnish your wages to make up the difference.

在這種情況下，法院可以沒收你的房屋和投資，甚至扣押你的工資以彌補差額。

So it's not usually advisable to go with the minimum just to save a few bucks a year.

為了每年省幾塊錢而選擇最低標準通常是不可取的。

After all, the whole purpose of insurance is to protect you from financial catastrophe.

畢竟，保險的目的就是保護您免受經濟災難。

Most insurers will offer discounts to customers who have more than one policy with them.

大多數保險公司都會為擁有一份以上保單的客戶提供折扣。

If you have multiple cars, using one company for all of them is usually the best way to go.

如果你有多輛汽車，使用一家公司通常是最佳選擇。

If you own a home and your auto insurer also offers homeowners insurance, they may give you a discount for bundling them together.

如果你擁有一套房子，而你的汽車保險公司也提供房主保險，他們可能會為你提供捆綁在一起的折扣。

If you happen to be within a demographic that is considered risky, or if you have some infractions on your driving record, there are some things you can do to improve your rep.

如果你碰巧屬於被認為有風險的人群，或者如果你的駕駛記錄上有一些違規行為，你可以做一些事情來改善你的信用。

For only around $25 and 5 hours of your time, you can get a 10% discount on your premiums, depending on your state and insurer.

只需花費約 25 美元和 5 個小時的時間，你就可以獲得保費 10% 的折扣，具體折扣取決於你所在的州和保險公司。

You can also agree to have your driving habits monitored digitally by your car or a proprietary phone app.

你還可以同意由汽車或專有手機應用對你的駕駛習慣進行數位監控。

They use GPSs and accelerometers to track things like how fast you go, what routes you take, and what times of day you tend to drive.

它們使用全球定位系統和加速度計來追蹤你的車速、行駛路線和一天中的駕駛時間。

Weekend night drivers are considered risky.

週末夜間駕駛員被認為是高風險的。

Some can even tell whether you have a habit of peeling out or slamming on your brakes.

有些甚至可以判斷您是否有猛踩煞車或猛踩油門的習慣。

If you're a generally safe driver, opting into one of these usage-based insurance programs can lower your premiums.

如果你是一個總體上安全的駕駛者，選擇這些基於使用量的保險計劃之一可以降低你的保費。

But if that feels like too much of an invasion of privacy, be aware you may still be monitored without your knowledge.

但如果覺得這樣太侵犯隱私，請注意你仍可能在不知情的情況下受到監控。

In 2024, the New York Times found that some cars were automatically collecting driving behavior data, known as telematics,

2024 年，《紐約時報》發現，一些汽車正在自動收集駕駛行為數據（即遠程信息處理技術），

and sharing them with aggregators who then sold them to insurance companies.

並與聚合商分享，然後聚合商將其出售給保險公司。

The same can go for certain phone apps that have access to your GPS, like map and weather apps.

某些可以訪問 GPS 的手機應用程式也是如此，如地圖和天氣應用程式。

Buried deep in their terms and conditions may be a clause that permits them to share your driving habits with your insurance company.

在他們的條款和條件中可能隱藏著一個允許他們與保險公司分享你的駕駛習慣的條款。

Some say this could make premiums more fair.

有人說，這可以使保費更加公平。

Isn't it better to be judged on your actual behavior than stereotyped by your age, gender, or education?

根據你的實際行為來評判你，不是比根據你的年齡、性別或教育程度來定型你更好嗎？

And if reckless driving could actually cost you money, maybe it would decrease the number of accidents.

如果魯莽駕駛真的會讓你付出代價，也許就會減少事故的發生。

Of course, that requires the driver to actually know they're being watched.

當然，這需要駕駛員確實知道他們正在被監視。

Once you've got all the discounts you can squeeze out of your insurer, it's time to shop around.

一旦你從保險公司那裡獲得了所有的折扣，就該貨比三家了。

You can contact other auto insurance companies directly, or use one of those comparison sites that collects all your info and supposedly finds you the best rate.

你可以直接聯繫其他汽車保險公司，或者使用那些收集了你所有資訊的比較網站，據說它們能為你找到最優惠的費率。

But be warned, like most middleman websites, many of them will sell your data and harass you with spam calls and emails long after your search is over.

但要注意的是，與大多數中間商網站一樣，許多中間商網站會出售你的數據，並在你搜索結束後很長時間內用垃圾電話和電子郵件騷擾你。

I prefer to talk to an insurance company rep over the phone who can answer questions about which discounts I qualify for, or which factors are stopping me from getting a better rate.

我更喜歡通過電話與保險公司代表交談，他們可以回答我有資格享受哪些折扣，或者哪些因素阻礙了我獲得更好的費率。

You can also get the help of an insurance agent, I know, another middleman, but they can sometimes hook you up with smaller, local insurance companies whose policies may be a better fit than the national behemoths.

你還可以尋求保險代理人的幫助，我知道，又是一個中間商，但他們有時可以為你介紹一些規模較小的在地保險公司，這些公司的保單可能比全國性的巨型保險公司更適合你。

If you're looking to buy a car and haven't picked one out yet, have your insurer run the different models through their algorithms.

如果你想買車但還沒有選好，請讓保險公司通過他們的算法對不同的車型進行分析。

Depending on the price, reliability, and safety features, it could impact your premiums and thereby your choice of car.

根據價格、可靠性和安全性能，這可能會影響您的保費，從而影響你對汽車的選擇。

Even if you're happy with your car insurance, uncommon but possible, it's important to remember that it is an expense you have control over.

即使你對自己的汽車保險感到滿意（這雖然不常見，但也有可能），重要的是要記住，這是你可以控制的一項支出。

Because as your life situation changes, so will your premiums.

因為隨著你生活狀況的變化，你的保費也會發生變化。

Maybe you'll move to a new state, buy a home, get married, or have to add a teenager to your policy.

也許你會搬到一個新州、買房、結婚，或者不得不在保單中增加一個青少年。

Life changes, big and small, can change the calculus on your auto insurance, so don't just let the algorithms walk all over you.

生活中大大小小的變化都可能改變你的汽車保險計算結果，所以不要讓演算法在你身上走過場。

Check in at least every year to make sure you have some say in the equation.

至少每年檢查一次，以確保你對等式有一定的發言權。

Thanks to our patrons for keeping Two Cents financially healthy.

感謝我們的贊助人讓 Two Cents 保持財務健康。

Click the link in the description to become a Two Cents patron.

點擊資訊欄中的連結，成為 Two Cents 的贊助人。