<p>当你在汽车经销商那里，沉浸在新车气味和潜在的财务后悔的迷人气味中时，你可能会发现自己被一位衣着考究的销售人员围住，大力宣扬延长保修的优点。他们说：“这只是额外的安全措施”，一边在桌子上滑动着光鲜的宣传册。</p>
<p>但在你点头同意并签署放弃孩子大学基金之前，让我们稍作停顿。以下是一些关于在汽车保险政策之外购买延长保修可能并非你的汽车超级英雄披风的原因。</p>
<h2>1. 成本效益困境</h2>
<p>让我们从你钱包最关心的话题开始：金钱。延长保修往往类似于一场只有庄家赢的赌局。根据 MarketWatch 的一项调查，延长汽车保修的平均总成本约为 2500 美元。你额外花钱的目的是为了可能比保修本身更多地花费在维修上。</p>
<p>但关键在于：经销商和保修提供商不会亏本经营。这些保修定价以盈利为目的，这意味着统计上，大多数人并未使用完全价值的保修。事实上，根据 Research and Markets 的数据，2023 年全球保修市场收入超过 1390 亿美元。</p>
<p>从价值的角度来看，平均汽车维修成本通常不到每年 500 美元，根据 Cars.com。价值取决于您的延长保修期限（通常为两到七年）。在两年内，您可能只花费 1000 美元进行维修，远低于保修费用。随着每一年的增加，这种差距会逐渐缩小——到第五年，维修成本可能与保修相匹配。</p>
<p>最终，与其夜不能寐地担心潜在的汽车维修问题，不如把那些本来会用于购买保修的钱存入储蓄账户。称之为你的 “哦，不！基金”。如果出现问题，嘿，由于既存资金和优质汽车保险的保障，您已经得到了覆盖。如果没有出现问题，您现在是一个度假基金的自豪所有者。无论哪种情况，你都是赢家。</p>
<h2>2. 你已经有了制造商保修</h2>
<p>很有可能，你的新战车已经配备了制造商保修，它已经涵盖了相当多的范围。这些保修通常持续几年或一定数量的英里，以先到者为准。很多这些延长保修在你驶离经销商后立即开始计时，与现有保修重叠。这就像穿着两件雨衣。当然，你可能会更干燥，但一件不够吗？</p>
<p>这种冗余使得延长保修的价值降低，并在每次看到你的汽车付款时增加了一层 “我真的需要这个吗？” 的疑问。此外，在重叠期间，遇到制造商保修不涵盖但延长保修涵盖的严重问题的可能性极其渺茫。</p>
<h2>3. 排除和例外众多</h2>
<p>你有没有试过阅读这些保修的条款？就像潜入一本小说，情节只是一系列可能发生在你的汽车上的问题清单，而转折是没有一项被涵盖。延长保修中包含了各种排除，从 “正常磨损” 到 “天灾”。如果闪电击中了你的引擎，那就是你和宙斯之间的事。</p>
<p>此外，某些维修必须在特定店铺进行或需要事先批准。想象一下：你被困在路边，你的引擎刚刚戏剧性地罢工。但是，你现在不是简单地拖车和修理，而是在保修客户服务中等待，听着电梯音乐，思考是笑还是哭。</p>
<p>所有形式的汽车保险都有排除和例外。然而，大多数常规汽车保险政策为您提供了对事故和盗窃的基本保护。延长保修提供额外的覆盖，因为它们包括例行机械磨损。在额外支付延长保修费用之前，了解包含和不包含的内容非常重要。</p>
<h2>4. 平静心态的神话</h2>
<p>最后，让我们谈谈平静心态——通常是延长保修倡导者撤退到的最后堡垒。“为了心灵的平静，这是值得的，” 他们说。但真正的心灵平静来自于知道你没有在统计上不会使用的保护措施上花费过多。它来自于对自己的财务拥有控制权和做出明智选择，而不是来自于对每种可能发生（但可能不会发生）情况进行对冲。</p>
<p>因此，虽然延长保修可能适合某些人——比如那些计划将车保留到足够老以投票的人——但对许多人来说，这是一项昂贵且不必要的附加服务。你最好的选择是研究你的汽车可靠性，了解已经涵盖的内容，并可能在 “哦，不！基金” 中存一些现金。这样，你可以安心地驶向日落，确信自己做出了明智的财务决策——或者至少避免了购买双层雨衣。</p>
<h2>我们 2024 年最佳汽车保险公司</h2>
<p>准备好购买汽车保险了吗？无论您关注价格、理赔处理还是客户服务，我们已经在全国范围内调查了保险公司，为您提供了汽车保险覆盖的最佳选择。<strong>阅读我们的免费专家评论</strong>，开始行动吧。</p>

CARS

<p>这则信息属于金融建议类别。信息摘要如下：汽车的延长保修可能不值得花费。它们往往定价以获取利润，统计数据显示，大多数人并未使用完整价值的保修。许多新车已经配备了制造商的保修，使得延长保修变得多余。此外，延长保修通常带有排除和例外情况，真正的安心来自于做出明智的财务决策</p>

<p>When you're at the car dealership, riding that high of new car smell mixed with the intoxicating scent of potential financial regret, you might find yourself cornered by a well-dressed salesperson extolling the virtues of an extended warranty. &#34;It's just a little extra security,&#34; they coo, sliding glossy brochures across the desk.</p>
<div class="lb-trans"><p>当你在汽车经销商那里，沉浸在新车气味和潜在的财务后悔的迷人气味中时，你可能会发现自己被一位衣着考究的销售人员围住，大力宣扬延长保修的优点。他们说：“这只是额外的安全措施”，一边在桌子上滑动着光鲜的宣传册。</p>
</div><p>But before you nod along and sign away your child's college fund, let's pump the brakes. Here are a few reasons why getting an extended warranty on top of your car insurance policy might not be the superhero cape for your car that it's made out to be.</p>
<div class="lb-trans"><p>但在你点头同意并签署放弃孩子大学基金之前，让我们稍作停顿。以下是一些关于在汽车保险政策之外购买延长保修可能并非你的汽车超级英雄披风的原因。</p>
</div><h2>1. The cost-benefit conundrum</h2>
<div class="lb-trans"><h2>1. 成本效益困境</h2>
</div><p>Let's start with your wallet's favorite topic: money. Extended warranties often resemble a bet where only the house wins. The average total cost of an extended car warranty is about $2,500, according to a MarketWatch survey. You're laying down extra cash on the chance that you might spend more on repairs than the warranty itself.</p>
<div class="lb-trans"><p>让我们从你钱包最关心的话题开始：金钱。延长保修往往类似于一场只有庄家赢的赌局。根据 MarketWatch 的一项调查，延长汽车保修的平均总成本约为 2500 美元。你额外花钱的目的是为了可能比保修本身更多地花费在维修上。</p>
</div><p>But here's the kicker: Dealerships and warranty providers aren't in the business of losing money. These warranties are priced to profit, meaning statistically, most folks don't use the full value of the warranty. In fact, the warranty market had a global revenue of over $139 billion in 2023, according to Research and Markets.</p>
<div class="lb-trans"><p>但关键在于：经销商和保修提供商不会亏本经营。这些保修定价以盈利为目的，这意味着统计上，大多数人并未使用完全价值的保修。事实上，根据 Research and Markets 的数据，2023 年全球保修市场收入超过 1390 亿美元。</p>
</div><p>To put it into perspective, the average car repair costs are often less than $500 a year, per Cars.com. Value-wise, it depends on the length of your extended warranty (typically they range from two to seven years.) Over two years, you might only rack up $1,000 in repairs, way less than the warranty's cost. This gap closes a bit with each additional year -- by five years, repair costs <em>might</em> match the warranty.</p>
<div class="lb-trans"><p>从价值的角度来看，平均汽车维修成本通常不到每年 500 美元，根据 Cars.com。价值取决于您的延长保修期限（通常为两到七年）。在两年内，您可能只花费 1000 美元进行维修，远低于保修费用。随着每一年的增加，这种差距会逐渐缩小——到第五年，维修成本可能与保修相匹配。</p>
</div><p>Ultimately, rather than tossing and turning at night worrying about potential car repairs, you could put those would-be warranty dollars into a savings account. Call it your &#34;Oh No! Fund.&#34; If something breaks, hey, you're covered thanks to having both money put aside and great value car insurance. If nothing breaks, you're now the proud owner of a vacation fund. Either way, you win.</p>
<div class="lb-trans"><p>最终，与其夜不能寐地担心潜在的汽车维修问题，不如把那些本来会用于购买保修的钱存入储蓄账户。称之为你的 “哦，不！基金”。如果出现问题，嘿，由于既存资金和优质汽车保险的保障，您已经得到了覆盖。如果没有出现问题，您现在是一个度假基金的自豪所有者。无论哪种情况，你都是赢家。</p>
</div><h2>2. You already have a manufacturer's warranty</h2>
<div class="lb-trans"><h2>2. 你已经有了制造商保修</h2>
</div><p>Chances are, your new chariot comes with a manufacturer's warranty that already covers quite a bit of ground. These warranties typically last for several years or a set number of miles, whichever comes first. A lot of these extended warranties start their coverage clock the minute you drive off the lot, overlapping with the existing warranty. It's like wearing two raincoats. Sure, you might stay extra dry, but isn't one enough?</p>
<div class="lb-trans"><p>很有可能，你的新战车已经配备了制造商保修，它已经涵盖了相当多的范围。这些保修通常持续几年或一定数量的英里，以先到者为准。很多这些延长保修在你驶离经销商后立即开始计时，与现有保修重叠。这就像穿着两件雨衣。当然，你可能会更干燥，但一件不够吗？</p>
</div><p>This redundancy makes the extended warranty less valuable and adds a layer of, &#34;Did I really need this?&#34; every time you look at your car payment. Plus, the likelihood of encountering severe issues that aren't covered by the manufacturer's warranty but <em>are</em> covered by the extended warranty during that overlap period is extremely slim.</p>
<div class="lb-trans"><p>这种冗余使得延长保修的价值降低，并在每次看到你的汽车付款时增加了一层 “我真的需要这个吗？” 的疑问。此外，在重叠期间，遇到制造商保修不涵盖但延长保修涵盖的严重问题的可能性极其渺茫。</p>
</div><h2>3. There are exclusions and exceptions galore</h2>
<div class="lb-trans"><h2>3. 排除和例外众多</h2>
</div><p>Have you ever tried reading the fine print on these warranties? It's like diving into a novel where the plot is just a list of things that could go wrong with your car, and the twist is that none of them are covered. Extended warranties come packed with exclusions ranging from &#34;normal wear and tear&#34; to &#34;acts of God.&#34; If lightning strikes your engine, that's between you and Zeus.</p>
<div class="lb-trans"><p>你有没有试过阅读这些保修的条款？就像潜入一本小说，情节只是一系列可能发生在你的汽车上的问题清单，而转折是没有一项被涵盖。延长保修中包含了各种排除，从 “正常磨损” 到 “天灾”。如果闪电击中了你的引擎，那就是你和宙斯之间的事。</p>
</div><p>Plus, certain repairs must be done at specific shops or require pre-approval. Picture this: You're stranded on the side of the road, and your engine has just dramatically given up. But instead of a simple tow and fix, you're now on hold with warranty customer service, listening to elevator music, and debating whether to laugh or cry.</p>
<div class="lb-trans"><p>此外，某些维修必须在特定店铺进行或需要事先批准。想象一下：你被困在路边，你的引擎刚刚戏剧性地罢工。但是，你现在不是简单地拖车和修理，而是在保修客户服务中等待，听着电梯音乐，思考是笑还是哭。</p>
</div><p>All forms of car insurance come with exclusions and exceptions. However, most regular car insurance policies give you essential protection against accidents and theft. Extended warranties give additional coverage, as they include routine mechanical wear and tear. It is important to understand what is and is not included before you pay extra for an extended warranty.</p>
<div class="lb-trans"><p>所有形式的汽车保险都有排除和例外。然而，大多数常规汽车保险政策为您提供了对事故和盗窃的基本保护。延长保修提供额外的覆盖，因为它们包括例行机械磨损。在额外支付延长保修费用之前，了解包含和不包含的内容非常重要。</p>
</div><h2>4. The peace-of-mind myth</h2>
<div class="lb-trans"><h2>4. 平静心态的神话</h2>
</div><p>Finally, let's talk about peace of mind -- often the final fortress that extended warranty advocates retreat to. &#34;It's worth it for the peace of mind,&#34; they say. But true peace of mind comes from knowing you're not overspending on protections that, statistically, you won't use. It comes from having control over your finances and making informed choices, not from hedging against every conceivable scenario that might (but probably won't) happen.</p>
<div class="lb-trans"><p>最后，让我们谈谈平静心态——通常是延长保修倡导者撤退到的最后堡垒。“为了心灵的平静，这是值得的，” 他们说。但真正的心灵平静来自于知道你没有在统计上不会使用的保护措施上花费过多。它来自于对自己的财务拥有控制权和做出明智选择，而不是来自于对每种可能发生（但可能不会发生）情况进行对冲。</p>
</div><p>So, while an extended warranty can be right for some people -- like those who plan to keep their car until it's old enough to vote -- for many, it's an expensive and unnecessary add-on. Your best bet is to research your car's reliability, understand what's already covered, and maybe set aside some cash in that &#34;Oh No! Fund.&#34; That way, you can drive off into the sunset, secure in the knowledge that you made a savvy financial decision -- or at least avoided paying for double raincoats.</p>
<div class="lb-trans"><p>因此，虽然延长保修可能适合某些人——比如那些计划将车保留到足够老以投票的人——但对许多人来说，这是一项昂贵且不必要的附加服务。你最好的选择是研究你的汽车可靠性，了解已经涵盖的内容，并可能在 “哦，不！基金” 中存一些现金。这样，你可以安心地驶向日落，确信自己做出了明智的财务决策——或者至少避免了购买双层雨衣。</p>
</div><h2>Our best car insurance companies for 2024</h2>
<div class="lb-trans"><h2>我们 2024 年最佳汽车保险公司</h2>
</div><p>Ready to shop for car insurance? Whether you’re focused on price, claims handling, or customer service, we've researched insurers nationwide to provide our best-in-class picks for car insurance coverage. <strong>Read our free expert review</strong> today to get started.</p>
<div class="lb-trans"><p>准备好购买汽车保险了吗？无论您关注价格、理赔处理还是客户服务，我们已经在全国范围内调查了保险公司，为您提供了汽车保险覆盖的最佳选择。<strong>阅读我们的免费专家评论</strong>，开始行动吧。</p>
</div>

你不需要汽车延长保修的 4 个理由