<p>作者：Genna Contino</p>
<p>买家不应该过于关注汽车的标价。这些额外费用现在可能会增加典型月供的 50%。</p>
<p>汽车价格已经让驾驶者感到震惊，但不断上涨的保险和维护成本对消费者来说变得越来越沉重。</p>
<p>打算在 2026 年买车？你可能会经历标价震惊——无论是在访问经销商之前还是之后。</p>
<p>虽然过去几年汽车价格的飙升一直是购车者关注的焦点，但汽车拥有的其他不太明显的成本也在上升——但买家在为新车预算时往往未能考虑这些费用。专家表示，车辆购物者在计算自己能负担得起哪辆车时，忽略了保险和维护的费用，这一错误变得越来越昂贵。</p>
<p>由于汽车保险和维护的费用显著增长，金融专家表示，现在更重要的是超越车辆的标价，将这些费用纳入购车预算。根据消费者价格指数数据的累计变化，自 2020 年以来，汽车保险费用上涨了约 55%，而汽车维护和修理的价格上涨了约 47%。在同一时期，保险和维护的费用上涨速度超过了新车和二手车的价格。</p>
<p>根据 Bankrate 的数据，美国平均年度汽车保险保费为 2,697 美元，约为每月 225 美元。AAA 数据显示，年行驶 15,000 英里的汽车的平均维修和维护费用为每年 1,650 美元，约为每月 138 美元。加在一起，平均保险和维护费用现在为每月 363 美元，约占平均月供的一半——这还不包括汽油和税费的成本。</p>
<p>“今天买车意味着要超越标价，” 加州海沃德的 Secure Tax &amp; Accounting 的注册财务规划师 Joon Um 说。“保险、税费、注册、燃料和维护费用可能会增加很多——尤其是对于那些修理费用昂贵的新型科技车。”</p>
<p>为什么越来越多的人在汽车贷款上落后？学生贷款的暂停支付给了我们一些线索。</p>
<p>尽管如此，今年购车仍然是许多消费者的优先事项。根据 TransUnion（TRU）周二发布的一项调查，近 40% 的消费者表示他们打算购买一辆汽车，其中大多数人计划在接下来的 12 个月内购买。在那些不打算购车的人中，53% 表示成本问题是主要原因，44% 则表示经济不确定性让他们保持观望。</p>
<p>可负担性危机已经达到沸点，许多中低收入的美国人因债务负担加重而难以支付基本家庭开支。通货膨胀使得购车——尤其是新车——对许多人来说变得遥不可及，因为去年平均价格超过了 50,000 美元。而在日产（JP:7201）去年 12 月停止生产 Versa 轿车后，根据 Kelley Blue Book，没有新的大众市场汽车的价格低于 20,000 美元。</p>
<p>平均新车价格刚刚突破 50,000 美元：如何申请贷款以避免负资产</p>
<p>根据汽车金融和保险专家 Joel Kansanback 的说法，现在购买新车的底线已上升到约 34,000 美元。这使得许多潜在的新车买家考虑购买二手车。</p>
<p>一些处于 K 型经济底部的人——在这种经济中，高收入人群的消费增加，而低收入家庭则在削减开支——可能不得不在 2026 年购买汽车，即使他们实际上并不负担得起，尤其是如果他们需要一辆车去上班。</p>
<p>更多无保险驾驶者，更多未修复的损坏：飙升的汽车保险价格迫使美国人做出风险权衡。</p>
<p>“K 型经济的下层确实面临困境……他们在路上驾驶的是历史上最旧的汽车，其中一些人出于必要被迫进入市场，” Kansanback 说。</p>
<p>如何在离开经销商之前考虑隐藏成本</p>
<p>对于 2026 年，一个好的经验法则是将交通费用，包括汽车付款、保险、燃料、维护和修理，控制在你总收入的 15% 到 20% 之间——如果你的现金流紧张，尽量靠近下限，华盛顿家庭财富创始人 Joe Piszczor 表示。这意味着如果你年收入 100,000 美元，你应该将 1,250 到 1,670 美元用于每月交通费用。</p>
<p>阅读更多：以下是可能真正帮助解决 2026 年美国可负担性危机的想法</p>
<p>汽车保险的费用因你所在的州、驾驶的汽车类型和你的驾驶记录而异。汽车专家和分析师 Lauren Fix 建议在购买汽车之前，先四处比较，以找到你感兴趣的车辆的最低保险费用。</p>
<p>像 Zebra 或 Jerry 这样的在线比较工具允许你根据汽车信息和个人驾驶历史比较不同保险公司的保费。在去经销商处之前，熟悉你感兴趣的车辆的平均保险费用也能让你评估自己是否真的能负担得起汽车和保险费用。</p>
<p>“只需出去多比较一下，” Fix 说。“因为你可能会发现其他地方更便宜，他们想要你的生意。”</p>
<p>阅读更多：美国人以创纪录的债务开始新年。以下是他们如何控制债务的方法。</p>
<p>至于维护费用，明尼苏达州奥克代尔的 Freedom Financial Partners 的注册财务规划师 Kyle Playford 表示，他与客户合作，将每年 1,000 到 2,000 美元的维修和维护费用纳入预算，并每年根据通货膨胀进行调整。</p>
<p>如果你已经在开车，你可能对你所在州每年支付的汽油费用有一定的了解，这也是在预算交通成本时需要考虑的另一个因素。AAA 提供了一种驾驶成本计算器，可以让你看到特定汽车在长期内的费用。它考虑了你的地点、融资、燃料成本、保险、税费和维护，以确定汽车拥有的总成本。</p>
<p>降低你的月度费用是可能的</p>
<p>消费者确实有一些权力来减轻购买新车的经济负担，Fix 说。以下是一些购车小贴士，帮助降低你的月供和额外费用。</p>
<p>关于购车本身的优惠建议：</p>
<p>-- 选择尚未售出的 2025 年新车。&#34;有很多优惠可以获得，&#34;Fix 说。</p>
<p>-- 如果你正在更换汽车品牌，询问销售人员关于&#34;征服优惠&#34;，这是汽车制造商提供的营销激励，旨在吸引竞争品牌的车主转向他们的品牌。</p>
<p>-- 如果你坚持同一品牌，询问关于&#34;忠诚优惠&#34;，这是旨在鼓励品牌保留的折扣。</p>
<p>关于节省维护和保险费用的建议：</p>
<p>-- 如果你购买二手车，在购买前带它去机械师那里进行检查 - 费用大约为 150 美元。许多二手车商允许潜在买家进行购前检查。&#34;这每一分钱都是值得的，因为如果你不这样做，可能会在后续的维护和修理中花费你数千美元，&#34;Fix 说。</p>
<p>-- 参加 AAA 防御性驾驶课程。完成该课程可能会导致保险折扣或根据州的不同减少驾照上的积分。</p>
<p>如果你想在保险上省钱，选择一辆汽油动力的车辆，尤其是因为以前帮助抵消成本的电动车税收抵免已经到期。&#34;如果车辆是插电式混合动力车或电动车，[保险费] 总是会高于汽油动力车辆，&#34;她说，因为火灾风险和更高的维修成本。</p>
<p>你是否有关于花钱的问题，希望在 MarketWatch 中看到相关内容？我们希望听到读者的声音。你可以写信给我们，邮箱是 readerstories@marketwatch.com。记者可能会联系你以了解更多信息。MarketWatch 不会在未经你允许的情况下将你的回答以姓名形式归属给你。</p>
<p>-Genna Contino</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和华尔街日报发布。</p>
<p>(结束) 道琼斯新闻通讯</p>
<p>02-07-26 1051ET</p>

<p>汽车拥有的隐性成本不断上升，包括保险和维护费用，给买家带来了显著的财务压力，月供增加了多达 50%。自 2020 年以来，保险费用上涨了 55%，维护费用上涨了 47%。目前，保险和维护的平均月成本为 363 美元，几乎占到平均汽车月供的一半。随着新车价格超过 50,000 美元，许多消费者正在重新考虑他们的购买，尤其是面临经济挑战的低收入家庭。专家建议将交通费用预算设定为总收入的 15-20%，以有效管理这些开支</p>

<p>By Genna Contino</p>
<div class="lb-trans"><p>作者：Genna Contino</p>
</div><p>Buyers shouldn't focus too much on a car's sticker price. These additional costs can now add up to an extra 50% of a typical monthly car payment.</p>
<div class="lb-trans"><p>买家不应该过于关注汽车的标价。这些额外费用现在可能会增加典型月供的 50%。</p>
</div><p>Car prices are already giving drivers sticker shock, but rising insurance and maintenance costs have become increasingly burdensome for consumers.</p>
<div class="lb-trans"><p>汽车价格已经让驾驶者感到震惊，但不断上涨的保险和维护成本对消费者来说变得越来越沉重。</p>
</div><p>Buying a car in 2026? You may experience sticker shock - both before and after you visit the dealership.</p>
<div class="lb-trans"><p>打算在 2026 年买车？你可能会经历标价震惊——无论是在访问经销商之前还是之后。</p>
</div><p>While eye-popping vehicle prices have been front and center for car buyers over the past several years, other less visible costs of car ownership have also been rising - but buyers often fail to take them into account when budgeting for a new car. Vehicle shoppers are leaving out the costs of insurance and maintenance when calculating which car they can afford, experts say - a mistake that has become increasingly costly.</p>
<div class="lb-trans"><p>虽然过去几年汽车价格的飙升一直是购车者关注的焦点，但汽车拥有的其他不太明显的成本也在上升——但买家在为新车预算时往往未能考虑这些费用。专家表示，车辆购物者在计算自己能负担得起哪辆车时，忽略了保险和维护的费用，这一错误变得越来越昂贵。</p>
</div><p>Because the costs of car insurance and maintenance have grown significantly, financial experts say it's more important now to look beyond a vehicle's sticker price and include those costs when budgeting for a car. The cost of vehicle insurance has risen by about 55% since 2020, while prices for vehicle maintenance and repair are up roughly 47%, based on cumulative changes in consumer-price index data. The cost of both insurance and maintenance rose faster than the prices of used and new cars during the same period.</p>
<div class="lb-trans"><p>由于汽车保险和维护的费用显著增长，金融专家表示，现在更重要的是超越车辆的标价，将这些费用纳入购车预算。根据消费者价格指数数据的累计变化，自 2020 年以来，汽车保险费用上涨了约 55%，而汽车维护和修理的价格上涨了约 47%。在同一时期，保险和维护的费用上涨速度超过了新车和二手车的价格。</p>
</div><p>The average annual U.S. car-insurance premium is $2,697, according to Bankrate, or about $225 per month. The average cost to repair and maintain a car that's driven 15,000 miles a year is $1,650 per year, or about $138 per month, AAA data show. Together, the average insurance and maintenance costs are now $363 per month, about half of the average monthly car payment - and that's not even including the cost of gas and taxes.</p>
<div class="lb-trans"><p>根据 Bankrate 的数据，美国平均年度汽车保险保费为 2,697 美元，约为每月 225 美元。AAA 数据显示，年行驶 15,000 英里的汽车的平均维修和维护费用为每年 1,650 美元，约为每月 138 美元。加在一起，平均保险和维护费用现在为每月 363 美元，约占平均月供的一半——这还不包括汽油和税费的成本。</p>
</div><p>&#34;Buying a car today means looking well beyond the sticker price,&#34; said Joon Um, a certified financial planner at Secure Tax &amp; Accounting in Hayward, Calif. &#34;Insurance, taxes, registration, fuel and maintenance can add a lot - especially with newer, tech-heavy cars that are expensive to fix.&#34;</p>
<div class="lb-trans"><p>“今天买车意味着要超越标价，” 加州海沃德的 Secure Tax &amp; Accounting 的注册财务规划师 Joon Um 说。“保险、税费、注册、燃料和维护费用可能会增加很多——尤其是对于那些修理费用昂贵的新型科技车。”</p>
</div><p>Why are more people falling behind on their car loans? The student-loan payment pause gives us a clue.</p>
<div class="lb-trans"><p>为什么越来越多的人在汽车贷款上落后？学生贷款的暂停支付给了我们一些线索。</p>
</div><p>Still, buying a car is high on many consumers' priority lists this year. Nearly 40% of consumers in a survey released by TransUnion (TRU) on Tuesday said they intend to buy a vehicle, with the majority of them looking to purchase sometime over the next 12 months. Of those who aren't in the market for a car, 53% cited cost concerns and 44% said economic uncertainty was keeping them on the sidelines.</p>
<div class="lb-trans"><p>尽管如此，今年购车仍然是许多消费者的优先事项。根据 TransUnion（TRU）周二发布的一项调查，近 40% 的消费者表示他们打算购买一辆汽车，其中大多数人计划在接下来的 12 个月内购买。在那些不打算购车的人中，53% 表示成本问题是主要原因，44% 则表示经济不确定性让他们保持观望。</p>
</div><p>The affordability crisis has reached a boiling point with many middle- and lower-income Americans increasingly burdened by debt and struggling to cover basic household expenses. Inflation has put buying a car - especially a new car - out of reach for many, as the average price surpassed $50,000 last year. And after Nissan (JP:7201) ended production of its Versa sedan in December, no new mass-market cars are priced under $20,000, according to Kelley Blue Book.</p>
<div class="lb-trans"><p>可负担性危机已经达到沸点，许多中低收入的美国人因债务负担加重而难以支付基本家庭开支。通货膨胀使得购车——尤其是新车——对许多人来说变得遥不可及，因为去年平均价格超过了 50,000 美元。而在日产（JP:7201）去年 12 月停止生产 Versa 轿车后，根据 Kelley Blue Book，没有新的大众市场汽车的价格低于 20,000 美元。</p>
</div><p>The average new-car price just surged past $50,000: How to shop for a loan so you don't end up underwater</p>
<div class="lb-trans"><p>平均新车价格刚刚突破 50,000 美元：如何申请贷款以避免负资产</p>
</div><p>Now the floor for buying a new car has jumped to about $34,000, according to automotive-finance and insurance expert Joel Kansanback. That has pushed many would-be new-car buyers to consider a used car instead, he said.</p>
<div class="lb-trans"><p>根据汽车金融和保险专家 Joel Kansanback 的说法，现在购买新车的底线已上升到约 34,000 美元。这使得许多潜在的新车买家考虑购买二手车。</p>
</div><p>Some people who find themselves in the bottom half of the K-shaped economy - in which upper-income people are spending more while lower-income households cut back - might have to buy a car in 2026 even if they can't really afford it, especially if they need one to get to their job.</p>
<div class="lb-trans"><p>一些处于 K 型经济底部的人——在这种经济中，高收入人群的消费增加，而低收入家庭则在削减开支——可能不得不在 2026 年购买汽车，即使他们实际上并不负担得起，尤其是如果他们需要一辆车去上班。</p>
</div><p>More uninsured drivers, more unfixed damage: Soaring car-insurance prices have pushed Americans into risky trade-offs</p>
<div class="lb-trans"><p>更多无保险驾驶者，更多未修复的损坏：飙升的汽车保险价格迫使美国人做出风险权衡。</p>
</div><p>&#34;That lower part of the K[-shaped economy] that's really struggled ... they've got the oldest cars in history on the road, and some of them are getting pushed into the market just out of necessity,&#34; Kansanback said.</p>
<div class="lb-trans"><p>“K 型经济的下层确实面临困境……他们在路上驾驶的是历史上最旧的汽车，其中一些人出于必要被迫进入市场，” Kansanback 说。</p>
</div><p>How to factor in hidden costs before leaving the dealership</p>
<div class="lb-trans"><p>如何在离开经销商之前考虑隐藏成本</p>
</div><p>A good rule of thumb for 2026 is to keep transportation costs, including car payment, insurance, gas, maintenance and repairs, at around 15% to 20% of your gross income - and to stay closer to the lower end if your cash flow is tight, said Joe Piszczor, founder of Washington Family Wealth in Washington, Penn. That means if you earn $100,000 a year, you should direct between $1,250 and about $1,670 toward monthly transportation costs.</p>
<div class="lb-trans"><p>对于 2026 年，一个好的经验法则是将交通费用，包括汽车付款、保险、燃料、维护和修理，控制在你总收入的 15% 到 20% 之间——如果你的现金流紧张，尽量靠近下限，华盛顿家庭财富创始人 Joe Piszczor 表示。这意味着如果你年收入 100,000 美元，你应该将 1,250 到 1,670 美元用于每月交通费用。</p>
</div><p>Read more: Here are the ideas that could really help solve America's affordability crisis in 2026</p>
<div class="lb-trans"><p>阅读更多：以下是可能真正帮助解决 2026 年美国可负担性危机的想法</p>
</div><p>The cost of car insurance varies greatly depending on the state you live in, the type of car you drive and your driving record. Automotive expert and analyst Lauren Fix recommends shopping around to find the lowest insurance cost available for the vehicle you're interested in. It pays to do this before you buy the car.</p>
<div class="lb-trans"><p>汽车保险的费用因你所在的州、驾驶的汽车类型和你的驾驶记录而异。汽车专家和分析师 Lauren Fix 建议在购买汽车之前，先四处比较，以找到你感兴趣的车辆的最低保险费用。</p>
</div><p>Online comparison tools like the Zebra or Jerry allow you to compare premiums from different insurance companies based on information about the car and your personal driving history. Getting familiar with the average cost of insurance for the vehicle you're interested in before you go to the dealership also gives you a chance to assess whether you can truly afford both the car and the insurance premium.</p>
<div class="lb-trans"><p>像 Zebra 或 Jerry 这样的在线比较工具允许你根据汽车信息和个人驾驶历史比较不同保险公司的保费。在去经销商处之前，熟悉你感兴趣的车辆的平均保险费用也能让你评估自己是否真的能负担得起汽车和保险费用。</p>
</div><p>&#34;Just go out there and shop it around,&#34; Fix said. &#34;Because you might find that it's cheaper somewhere else, and they want your business.&#34;</p>
<div class="lb-trans"><p>“只需出去多比较一下，” Fix 说。“因为你可能会发现其他地方更便宜，他们想要你的生意。”</p>
</div><p>Read more: Americans are starting the new year with record debt. Here's how they can get it under control.</p>
<div class="lb-trans"><p>阅读更多：美国人以创纪录的债务开始新年。以下是他们如何控制债务的方法。</p>
</div><p>As for maintenance costs, Kyle Playford, a certified financial planner at Freedom Financial Partners in Oakdale, Minn., said he works with clients to build $1,000 to $2,000 a year for repairs and maintenance into their budget, adjusting for inflation each year.</p>
<div class="lb-trans"><p>至于维护费用，明尼苏达州奥克代尔的 Freedom Financial Partners 的注册财务规划师 Kyle Playford 表示，他与客户合作，将每年 1,000 到 2,000 美元的维修和维护费用纳入预算，并每年根据通货膨胀进行调整。</p>
</div><p>If you're already driving, you probably have an idea of how much you pay for gas annually in your state, which is another factor to consider when budgeting for transportation costs. AAA has a driving-costs calculator that lets you see how much a specific car will cost you over the long run. It factors in your location, financing, fuel costs, insurance, taxes, fees and maintenance to determine the total cost of car ownership.</p>
<div class="lb-trans"><p>如果你已经在开车，你可能对你所在州每年支付的汽油费用有一定的了解，这也是在预算交通成本时需要考虑的另一个因素。AAA 提供了一种驾驶成本计算器，可以让你看到特定汽车在长期内的费用。它考虑了你的地点、融资、燃料成本、保险、税费和维护，以确定汽车拥有的总成本。</p>
</div><p>Lowering your monthly costs is possible</p>
<div class="lb-trans"><p>降低你的月度费用是可能的</p>
</div><p>Consumers do have some power to ease the financial burden of buying a new vehicle, Fix said. Here are some car-buying tips to help lower your monthly payment and additional costs.</p>
<div class="lb-trans"><p>消费者确实有一些权力来减轻购买新车的经济负担，Fix 说。以下是一些购车小贴士，帮助降低你的月供和额外费用。</p>
</div><p>Tips for getting a deal on the car itself:</p>
<div class="lb-trans"><p>关于购车本身的优惠建议：</p>
</div><p>-- Go for new 2025 cars on the lot that haven't sold yet. &#34;There are deals to be had,&#34; Fix said.</p>
<div class="lb-trans"><p>-- 选择尚未售出的 2025 年新车。&#34;有很多优惠可以获得，&#34;Fix 说。</p>
</div><p>-- If you're switching car brands, ask the salesperson about &#34;conquest deals,&#34; a marketing incentive offered by carmakers to entice owners of a competing brand to switch to theirs.</p>
<div class="lb-trans"><p>-- 如果你正在更换汽车品牌，询问销售人员关于&#34;征服优惠&#34;，这是汽车制造商提供的营销激励，旨在吸引竞争品牌的车主转向他们的品牌。</p>
</div><p>-- If you're sticking with the same brand, ask about &#34;loyalty deals,&#34; which are discounts designed to encourage brand retention.</p>
<div class="lb-trans"><p>-- 如果你坚持同一品牌，询问关于&#34;忠诚优惠&#34;，这是旨在鼓励品牌保留的折扣。</p>
</div><p>Tips for saving on maintenance and insurance costs:</p>
<div class="lb-trans"><p>关于节省维护和保险费用的建议：</p>
</div><p>-- If you're buying a used car, take it to a mechanic to get an inspection - you'll pay about $150 - before purchasing. Many used-car lots allow potential buyers to complete a prepurchase inspection. &#34;It is worth every penny, because if you don't, it could cost you thousands of dollars&#34; in maintenance and repairs down the road, Fix said.</p>
<div class="lb-trans"><p>-- 如果你购买二手车，在购买前带它去机械师那里进行检查 - 费用大约为 150 美元。许多二手车商允许潜在买家进行购前检查。&#34;这每一分钱都是值得的，因为如果你不这样做，可能会在后续的维护和修理中花费你数千美元，&#34;Fix 说。</p>
</div><p>-- Take a AAA defensive-driving course. Completing a program may result in an insurance discount or a reduction of points on your license, depending on the state.</p>
<div class="lb-trans"><p>-- 参加 AAA 防御性驾驶课程。完成该课程可能会导致保险折扣或根据州的不同减少驾照上的积分。</p>
</div><p>Go for a gas-powered vehicle if you want to save money on insurance, especially since electric-vehicle tax credits that formerly helped offset costs have expired. &#34;If the vehicle is a plug-in hybrid or an electric vehicle, [insurance premiums] will always be higher than a gas-powered vehicle,&#34; she said, due to fire risk and higher repair costs.</p>
<div class="lb-trans"><p>如果你想在保险上省钱，选择一辆汽油动力的车辆，尤其是因为以前帮助抵消成本的电动车税收抵免已经到期。&#34;如果车辆是插电式混合动力车或电动车，[保险费] 总是会高于汽油动力车辆，&#34;她说，因为火灾风险和更高的维修成本。</p>
</div><p>Do you have questions about spending your money that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>你是否有关于花钱的问题，希望在 MarketWatch 中看到相关内容？我们希望听到读者的声音。你可以写信给我们，邮箱是 readerstories@marketwatch.com。记者可能会联系你以了解更多信息。MarketWatch 不会在未经你允许的情况下将你的回答以姓名形式归属给你。</p>
</div><p>-Genna Contino</p>
<div class="lb-trans"><p>-Genna Contino</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和华尔街日报发布。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>(结束) 道琼斯新闻通讯</p>
</div><p>02-07-26 1051ET</p>
<div class="lb-trans"><p>02-07-26 1051ET</p>
</div>

这些汽车拥有的隐藏成本在买家离开经销商后很久才让他们感到价格震惊