<p>當你在汽車經銷商那裏，沉浸在新車氣味和潛在的財務後悔的迷人氣味中時，你可能會發現自己被一位衣着考究的銷售人員圍住，大力宣揚延長保修的優點。他們説：“這只是額外的安全措施”，一邊在桌子上滑動着光鮮的宣傳冊。</p>
<p>但在你點頭同意並簽署放棄孩子大學基金之前，讓我們稍作停頓。以下是一些關於在汽車保險政策之外購買延長保修可能並非你的汽車超級英雄披風的原因。</p>
<h2>1. 成本效益困境</h2>
<p>讓我們從你錢包最關心的話題開始：金錢。延長保修往往類似於一場只有莊家贏的賭局。根據 MarketWatch 的一項調查，延長汽車保修的平均總成本約為 2500 美元。你額外花錢的目的是為了可能比保修本身更多地花費在維修上。</p>
<p>但關鍵在於：經銷商和保修提供商不會虧本經營。這些保修定價以盈利為目的，這意味着統計上，大多數人並未使用完全價值的保修。事實上，根據 Research and Markets 的數據，2023 年全球保修市場收入超過 1390 億美元。</p>
<p>從價值的角度來看，平均汽車維修成本通常不到每年 500 美元，根據 Cars.com。價值取決於您的延長保修期限（通常為兩到七年）。在兩年內，您可能只花費 1000 美元進行維修，遠低於保修費用。隨着每一年的增加，這種差距會逐漸縮小——到第五年，維修成本可能與保修相匹配。</p>
<p>最終，與其夜不能寐地擔心潛在的汽車維修問題，不如把那些本來會用於購買保修的錢存入儲蓄賬户。稱之為你的 “哦，不！基金”。如果出現問題，嘿，由於既存資金和優質汽車保險的保障，您已經得到了覆蓋。如果沒有出現問題，您現在是一個度假基金的自豪所有者。無論哪種情況，你都是贏家。</p>
<h2>2. 你已經有了製造商保修</h2>
<p>很有可能，你的新戰車已經配備了製造商保修，它已經涵蓋了相當多的範圍。這些保修通常持續幾年或一定數量的英里，以先到者為準。很多這些延長保修在你駛離經銷商後立即開始計時，與現有保修重疊。這就像穿着兩件雨衣。當然，你可能會更乾燥，但一件不夠嗎？</p>
<p>這種冗餘使得延長保修的價值降低，並在每次看到你的汽車付款時增加了一層 “我真的需要這個嗎？” 的疑問。此外，在重疊期間，遇到製造商保修不涵蓋但延長保修涵蓋的嚴重問題的可能性極其渺茫。</p>
<h2>3. 排除和例外眾多</h2>
<p>你有沒有試過閲讀這些保修的條款？就像潛入一本小説，情節只是一系列可能發生在你的汽車上的問題清單，而轉折是沒有一項被涵蓋。延長保修中包含了各種排除，從 “正常磨損” 到 “天災”。如果閃電擊中了你的引擎，那就是你和宙斯之間的事。</p>
<p>此外，某些維修必須在特定店鋪進行或需要事先批准。想象一下：你被困在路邊，你的引擎剛剛戲劇性地罷工。但是，你現在不是簡單地拖車和修理，而是在保修客户服務中等待，聽着電梯音樂，思考是笑還是哭。</p>
<p>所有形式的汽車保險都有排除和例外。然而，大多數常規汽車保險政策為您提供了對事故和盜竊的基本保護。延長保修提供額外的覆蓋，因為它們包括例行機械磨損。在額外支付延長保修費用之前，瞭解包含和不包含的內容非常重要。</p>
<h2>4. 平靜心態的神話</h2>
<p>最後，讓我們談談平靜心態——通常是延長保修倡導者撤退到的最後堡壘。“為了心靈的平靜，這是值得的，” 他們説。但真正的心靈平靜來自於知道你沒有在統計上不會使用的保護措施上花費過多。它來自於對自己的財務擁有控制權和做出明智選擇，而不是來自於對每種可能發生（但可能不會發生）情況進行對沖。</p>
<p>因此，雖然延長保修可能適合某些人——比如那些計劃將車保留到足夠老以投票的人——但對許多人來説，這是一項昂貴且不必要的附加服務。你最好的選擇是研究你的汽車可靠性，瞭解已經涵蓋的內容，並可能在 “哦，不！基金” 中存一些現金。這樣，你可以安心地駛向日落，確信自己做出了明智的財務決策——或者至少避免了購買雙層雨衣。</p>
<h2>我們 2024 年最佳汽車保險公司</h2>
<p>準備好購買汽車保險了嗎？無論您關注價格、理賠處理還是客户服務，我們已經在全國範圍內調查了保險公司，為您提供了汽車保險覆蓋的最佳選擇。<strong>閲讀我們的免費專家評論</strong>，開始行動吧。</p>

CARS

<p>這則信息屬於金融建議類別。信息摘要如下：汽車的延長保修可能不值得花費。它們往往定價以獲取利潤，統計數據顯示，大多數人並未使用完整價值的保修。許多新車已經配備了製造商的保修，使得延長保修變得多餘。此外，延長保修通常帶有排除和例外情況，真正的安心來自於做出明智的財務決策</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>當你在汽車經銷商那裏，沉浸在新車氣味和潛在的財務後悔的迷人氣味中時，你可能會發現自己被一位衣着考究的銷售人員圍住，大力宣揚延長保修的優點。他們説：“這只是額外的安全措施”，一邊在桌子上滑動着光鮮的宣傳冊。</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>但在你點頭同意並簽署放棄孩子大學基金之前，讓我們稍作停頓。以下是一些關於在汽車保險政策之外購買延長保修可能並非你的汽車超級英雄披風的原因。</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>讓我們從你錢包最關心的話題開始：金錢。延長保修往往類似於一場只有莊家贏的賭局。根據 MarketWatch 的一項調查，延長汽車保修的平均總成本約為 2500 美元。你額外花錢的目的是為了可能比保修本身更多地花費在維修上。</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>但關鍵在於：經銷商和保修提供商不會虧本經營。這些保修定價以盈利為目的，這意味着統計上，大多數人並未使用完全價值的保修。事實上，根據 Research and Markets 的數據，2023 年全球保修市場收入超過 1390 億美元。</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>從價值的角度來看，平均汽車維修成本通常不到每年 500 美元，根據 Cars.com。價值取決於您的延長保修期限（通常為兩到七年）。在兩年內，您可能只花費 1000 美元進行維修，遠低於保修費用。隨着每一年的增加，這種差距會逐漸縮小——到第五年，維修成本可能與保修相匹配。</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>最終，與其夜不能寐地擔心潛在的汽車維修問題，不如把那些本來會用於購買保修的錢存入儲蓄賬户。稱之為你的 “哦，不！基金”。如果出現問題，嘿，由於既存資金和優質汽車保險的保障，您已經得到了覆蓋。如果沒有出現問題，您現在是一個度假基金的自豪所有者。無論哪種情況，你都是贏家。</p>
</div><h2>2. You already have a manufacturer's warranty</h2>
<div class="lb-trans"><h2>2. 你已經有了製造商保修</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，你的新戰車已經配備了製造商保修，它已經涵蓋了相當多的範圍。這些保修通常持續幾年或一定數量的英里，以先到者為準。很多這些延長保修在你駛離經銷商後立即開始計時，與現有保修重疊。這就像穿着兩件雨衣。當然，你可能會更乾燥，但一件不夠嗎？</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>這種冗餘使得延長保修的價值降低，並在每次看到你的汽車付款時增加了一層 “我真的需要這個嗎？” 的疑問。此外，在重疊期間，遇到製造商保修不涵蓋但延長保修涵蓋的嚴重問題的可能性極其渺茫。</p>
</div><h2>3. There are exclusions and exceptions galore</h2>
<div class="lb-trans"><h2>3. 排除和例外眾多</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>你有沒有試過閲讀這些保修的條款？就像潛入一本小説，情節只是一系列可能發生在你的汽車上的問題清單，而轉折是沒有一項被涵蓋。延長保修中包含了各種排除，從 “正常磨損” 到 “天災”。如果閃電擊中了你的引擎，那就是你和宙斯之間的事。</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，某些維修必須在特定店鋪進行或需要事先批准。想象一下：你被困在路邊，你的引擎剛剛戲劇性地罷工。但是，你現在不是簡單地拖車和修理，而是在保修客户服務中等待，聽着電梯音樂，思考是笑還是哭。</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>所有形式的汽車保險都有排除和例外。然而，大多數常規汽車保險政策為您提供了對事故和盜竊的基本保護。延長保修提供額外的覆蓋，因為它們包括例行機械磨損。在額外支付延長保修費用之前，瞭解包含和不包含的內容非常重要。</p>
</div><h2>4. The peace-of-mind myth</h2>
<div class="lb-trans"><h2>4. 平靜心態的神話</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>最後，讓我們談談平靜心態——通常是延長保修倡導者撤退到的最後堡壘。“為了心靈的平靜，這是值得的，” 他們説。但真正的心靈平靜來自於知道你沒有在統計上不會使用的保護措施上花費過多。它來自於對自己的財務擁有控制權和做出明智選擇，而不是來自於對每種可能發生（但可能不會發生）情況進行對沖。</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，雖然延長保修可能適合某些人——比如那些計劃將車保留到足夠老以投票的人——但對許多人來説，這是一項昂貴且不必要的附加服務。你最好的選擇是研究你的汽車可靠性，瞭解已經涵蓋的內容，並可能在 “哦，不！基金” 中存一些現金。這樣，你可以安心地駛向日落，確信自己做出了明智的財務決策——或者至少避免了購買雙層雨衣。</p>
</div><h2>Our best car insurance companies for 2024</h2>
<div class="lb-trans"><h2>我們 2024 年最佳汽車保險公司</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>準備好購買汽車保險了嗎？無論您關注價格、理賠處理還是客户服務，我們已經在全國範圍內調查了保險公司，為您提供了汽車保險覆蓋的最佳選擇。<strong>閲讀我們的免費專家評論</strong>，開始行動吧。</p>
</div>

你不需要汽車延長保修的 4 個理由