<p>作者：Genna Contino</p>
<p>買家不應該過於關注汽車的標價。這些額外費用現在可能會增加典型月供的 50%。</p>
<p>汽車價格已經讓駕駛者感到震驚，但不斷上漲的保險和維護成本對消費者來説變得越來越沉重。</p>
<p>打算在 2026 年買車？你可能會經歷標價震驚——無論是在訪問經銷商之前還是之後。</p>
<p>雖然過去幾年汽車價格的飆升一直是購車者關注的焦點，但汽車擁有的其他不太明顯的成本也在上升——但買家在為新車預算時往往未能考慮這些費用。專家表示，車輛購物者在計算自己能負擔得起哪輛車時，忽略了保險和維護的費用，這一錯誤變得越來越昂貴。</p>
<p>由於汽車保險和維護的費用顯著增長，金融專家表示，現在更重要的是超越車輛的標價，將這些費用納入購車預算。根據消費者價格指數數據的累計變化，自 2020 年以來，汽車保險費用上漲了約 55%，而汽車維護和修理的價格上漲了約 47%。在同一時期，保險和維護的費用上漲速度超過了新車和二手車的價格。</p>
<p>根據 Bankrate 的數據，美國平均年度汽車保險保費為 2,697 美元，約為每月 225 美元。AAA 數據顯示，年行駛 15,000 英里的汽車的平均維修和維護費用為每年 1,650 美元，約為每月 138 美元。加在一起，平均保險和維護費用現在為每月 363 美元，約佔平均月供的一半——這還不包括汽油和税費的成本。</p>
<p>“今天買車意味着要超越標價，” 加州海沃德的 Secure Tax &amp; Accounting 的註冊財務規劃師 Joon Um 説。“保險、税費、註冊、燃料和維護費用可能會增加很多——尤其是對於那些修理費用昂貴的新型科技車。”</p>
<p>為什麼越來越多的人在汽車貸款上落後？學生貸款的暫停支付給了我們一些線索。</p>
<p>儘管如此，今年購車仍然是許多消費者的優先事項。根據 TransUnion（TRU）週二發佈的一項調查，近 40% 的消費者表示他們打算購買一輛汽車，其中大多數人計劃在接下來的 12 個月內購買。在那些不打算購車的人中，53% 表示成本問題是主要原因，44% 則表示經濟不確定性讓他們保持觀望。</p>
<p>可負擔性危機已經達到沸點，許多中低收入的美國人因債務負擔加重而難以支付基本家庭開支。通貨膨脹使得購車——尤其是新車——對許多人來説變得遙不可及，因為去年平均價格超過了 50,000 美元。而在日產（JP:7201）去年 12 月停止生產 Versa 轎車後，根據 Kelley Blue Book，沒有新的大眾市場汽車的價格低於 20,000 美元。</p>
<p>平均新車價格剛剛突破 50,000 美元：如何申請貸款以避免負資產</p>
<p>根據汽車金融和保險專家 Joel Kansanback 的説法，現在購買新車的底線已上升到約 34,000 美元。這使得許多潛在的新車買家考慮購買二手車。</p>
<p>一些處於 K 型經濟底部的人——在這種經濟中，高收入人羣的消費增加，而低收入家庭則在削減開支——可能不得不在 2026 年購買汽車，即使他們實際上並不負擔得起，尤其是如果他們需要一輛車去上班。</p>
<p>更多無保險駕駛者，更多未修復的損壞：飆升的汽車保險價格迫使美國人做出風險權衡。</p>
<p>“K 型經濟的下層確實面臨困境……他們在路上駕駛的是歷史上最舊的汽車，其中一些人出於必要被迫進入市場，” Kansanback 説。</p>
<p>如何在離開經銷商之前考慮隱藏成本</p>
<p>對於 2026 年，一個好的經驗法則是將交通費用，包括汽車付款、保險、燃料、維護和修理，控制在你總收入的 15% 到 20% 之間——如果你的現金流緊張，儘量靠近下限，華盛頓家庭財富創始人 Joe Piszczor 表示。這意味着如果你年收入 100,000 美元，你應該將 1,250 到 1,670 美元用於每月交通費用。</p>
<p>閲讀更多：以下是可能真正幫助解決 2026 年美國可負擔性危機的想法</p>
<p>汽車保險的費用因你所在的州、駕駛的汽車類型和你的駕駛記錄而異。汽車專家和分析師 Lauren Fix 建議在購買汽車之前，先四處比較，以找到你感興趣的車輛的最低保險費用。</p>
<p>像 Zebra 或 Jerry 這樣的在線比較工具允許你根據汽車信息和個人駕駛歷史比較不同保險公司的保費。在去經銷商處之前，熟悉你感興趣的車輛的平均保險費用也能讓你評估自己是否真的能負擔得起汽車和保險費用。</p>
<p>“只需出去多比較一下，” Fix 説。“因為你可能會發現其他地方更便宜，他們想要你的生意。”</p>
<p>閲讀更多：美國人以創紀錄的債務開始新年。以下是他們如何控制債務的方法。</p>
<p>至於維護費用，明尼蘇達州奧克代爾的 Freedom Financial Partners 的註冊財務規劃師 Kyle Playford 表示，他與客户合作，將每年 1,000 到 2,000 美元的維修和維護費用納入預算，並每年根據通貨膨脹進行調整。</p>
<p>如果你已經在開車，你可能對你所在州每年支付的汽油費用有一定的瞭解，這也是在預算交通成本時需要考慮的另一個因素。AAA 提供了一種駕駛成本計算器，可以讓你看到特定汽車在長期內的費用。它考慮了你的地點、融資、燃料成本、保險、税費和維護，以確定汽車擁有的總成本。</p>
<p>降低你的月度費用是可能的</p>
<p>消費者確實有一些權力來減輕購買新車的經濟負擔，Fix 説。以下是一些購車小貼士，幫助降低你的月供和額外費用。</p>
<p>關於購車本身的優惠建議：</p>
<p>-- 選擇尚未售出的 2025 年新車。&#34;有很多優惠可以獲得，&#34;Fix 説。</p>
<p>-- 如果你正在更換汽車品牌，詢問銷售人員關於&#34;征服優惠&#34;，這是汽車製造商提供的營銷激勵，旨在吸引競爭品牌的車主轉向他們的品牌。</p>
<p>-- 如果你堅持同一品牌，詢問關於&#34;忠誠優惠&#34;，這是旨在鼓勵品牌保留的折扣。</p>
<p>關於節省維護和保險費用的建議：</p>
<p>-- 如果你購買二手車，在購買前帶它去機械師那裏進行檢查 - 費用大約為 150 美元。許多二手車商允許潛在買家進行購前檢查。&#34;這每一分錢都是值得的，因為如果你不這樣做，可能會在後續的維護和修理中花費你數千美元，&#34;Fix 説。</p>
<p>-- 參加 AAA 防禦性駕駛課程。完成該課程可能會導致保險折扣或根據州的不同減少駕照上的積分。</p>
<p>如果你想在保險上省錢，選擇一輛汽油動力的車輛，尤其是因為以前幫助抵消成本的電動車税收抵免已經到期。&#34;如果車輛是插電式混合動力車或電動車，[保險費] 總是會高於汽油動力車輛，&#34;她説，因為火災風險和更高的維修成本。</p>
<p>你是否有關於花錢的問題，希望在 MarketWatch 中看到相關內容？我們希望聽到讀者的聲音。你可以寫信給我們，郵箱是 readerstories@marketwatch.com。記者可能會聯繫你以瞭解更多信息。MarketWatch 不會在未經你允許的情況下將你的回答以姓名形式歸屬給你。</p>
<p>-Genna Contino</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和華爾街日報發佈。</p>
<p>(結束) 道瓊斯新聞通訊</p>
<p>02-07-26 1051ET</p>

<p>汽車擁有的隱性成本不斷上升，包括保險和維護費用，給買家帶來了顯著的財務壓力，月供增加了多達 50%。自 2020 年以來，保險費用上漲了 55%，維護費用上漲了 47%。目前，保險和維護的平均月成本為 363 美元，幾乎佔到平均汽車月供的一半。隨着新車價格超過 50,000 美元，許多消費者正在重新考慮他們的購買，尤其是面臨經濟挑戰的低收入家庭。專家建議將交通費用預算設定為總收入的 15-20%，以有效管理這些開支</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>買家不應該過於關注汽車的標價。這些額外費用現在可能會增加典型月供的 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>汽車價格已經讓駕駛者感到震驚，但不斷上漲的保險和維護成本對消費者來説變得越來越沉重。</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 年買車？你可能會經歷標價震驚——無論是在訪問經銷商之前還是之後。</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>雖然過去幾年汽車價格的飆升一直是購車者關注的焦點，但汽車擁有的其他不太明顯的成本也在上升——但買家在為新車預算時往往未能考慮這些費用。專家表示，車輛購物者在計算自己能負擔得起哪輛車時，忽略了保險和維護的費用，這一錯誤變得越來越昂貴。</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>由於汽車保險和維護的費用顯著增長，金融專家表示，現在更重要的是超越車輛的標價，將這些費用納入購車預算。根據消費者價格指數數據的累計變化，自 2020 年以來，汽車保險費用上漲了約 55%，而汽車維護和修理的價格上漲了約 47%。在同一時期，保險和維護的費用上漲速度超過了新車和二手車的價格。</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>根據 Bankrate 的數據，美國平均年度汽車保險保費為 2,697 美元，約為每月 225 美元。AAA 數據顯示，年行駛 15,000 英里的汽車的平均維修和維護費用為每年 1,650 美元，約為每月 138 美元。加在一起，平均保險和維護費用現在為每月 363 美元，約佔平均月供的一半——這還不包括汽油和税費的成本。</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>“今天買車意味着要超越標價，” 加州海沃德的 Secure Tax &amp; Accounting 的註冊財務規劃師 Joon Um 説。“保險、税費、註冊、燃料和維護費用可能會增加很多——尤其是對於那些修理費用昂貴的新型科技車。”</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>為什麼越來越多的人在汽車貸款上落後？學生貸款的暫停支付給了我們一些線索。</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>儘管如此，今年購車仍然是許多消費者的優先事項。根據 TransUnion（TRU）週二發佈的一項調查，近 40% 的消費者表示他們打算購買一輛汽車，其中大多數人計劃在接下來的 12 個月內購買。在那些不打算購車的人中，53% 表示成本問題是主要原因，44% 則表示經濟不確定性讓他們保持觀望。</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>可負擔性危機已經達到沸點，許多中低收入的美國人因債務負擔加重而難以支付基本家庭開支。通貨膨脹使得購車——尤其是新車——對許多人來説變得遙不可及，因為去年平均價格超過了 50,000 美元。而在日產（JP:7201）去年 12 月停止生產 Versa 轎車後，根據 Kelley Blue Book，沒有新的大眾市場汽車的價格低於 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>平均新車價格剛剛突破 50,000 美元：如何申請貸款以避免負資產</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>根據汽車金融和保險專家 Joel Kansanback 的説法，現在購買新車的底線已上升到約 34,000 美元。這使得許多潛在的新車買家考慮購買二手車。</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>一些處於 K 型經濟底部的人——在這種經濟中，高收入人羣的消費增加，而低收入家庭則在削減開支——可能不得不在 2026 年購買汽車，即使他們實際上並不負擔得起，尤其是如果他們需要一輛車去上班。</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>更多無保險駕駛者，更多未修復的損壞：飆升的汽車保險價格迫使美國人做出風險權衡。</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 型經濟的下層確實面臨困境……他們在路上駕駛的是歷史上最舊的汽車，其中一些人出於必要被迫進入市場，” Kansanback 説。</p>
</div><p>How to factor in hidden costs before leaving the dealership</p>
<div class="lb-trans"><p>如何在離開經銷商之前考慮隱藏成本</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>對於 2026 年，一個好的經驗法則是將交通費用，包括汽車付款、保險、燃料、維護和修理，控制在你總收入的 15% 到 20% 之間——如果你的現金流緊張，儘量靠近下限，華盛頓家庭財富創始人 Joe Piszczor 表示。這意味着如果你年收入 100,000 美元，你應該將 1,250 到 1,670 美元用於每月交通費用。</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>閲讀更多：以下是可能真正幫助解決 2026 年美國可負擔性危機的想法</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>汽車保險的費用因你所在的州、駕駛的汽車類型和你的駕駛記錄而異。汽車專家和分析師 Lauren Fix 建議在購買汽車之前，先四處比較，以找到你感興趣的車輛的最低保險費用。</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 這樣的在線比較工具允許你根據汽車信息和個人駕駛歷史比較不同保險公司的保費。在去經銷商處之前，熟悉你感興趣的車輛的平均保險費用也能讓你評估自己是否真的能負擔得起汽車和保險費用。</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>“只需出去多比較一下，” Fix 説。“因為你可能會發現其他地方更便宜，他們想要你的生意。”</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>閲讀更多：美國人以創紀錄的債務開始新年。以下是他們如何控制債務的方法。</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>至於維護費用，明尼蘇達州奧克代爾的 Freedom Financial Partners 的註冊財務規劃師 Kyle Playford 表示，他與客户合作，將每年 1,000 到 2,000 美元的維修和維護費用納入預算，並每年根據通貨膨脹進行調整。</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>如果你已經在開車，你可能對你所在州每年支付的汽油費用有一定的瞭解，這也是在預算交通成本時需要考慮的另一個因素。AAA 提供了一種駕駛成本計算器，可以讓你看到特定汽車在長期內的費用。它考慮了你的地點、融資、燃料成本、保險、税費和維護，以確定汽車擁有的總成本。</p>
</div><p>Lowering your monthly costs is possible</p>
<div class="lb-trans"><p>降低你的月度費用是可能的</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>消費者確實有一些權力來減輕購買新車的經濟負擔，Fix 説。以下是一些購車小貼士，幫助降低你的月供和額外費用。</p>
</div><p>Tips for getting a deal on the car itself:</p>
<div class="lb-trans"><p>關於購車本身的優惠建議：</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>-- 選擇尚未售出的 2025 年新車。&#34;有很多優惠可以獲得，&#34;Fix 説。</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>-- 如果你正在更換汽車品牌，詢問銷售人員關於&#34;征服優惠&#34;，這是汽車製造商提供的營銷激勵，旨在吸引競爭品牌的車主轉向他們的品牌。</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>-- 如果你堅持同一品牌，詢問關於&#34;忠誠優惠&#34;，這是旨在鼓勵品牌保留的折扣。</p>
</div><p>Tips for saving on maintenance and insurance costs:</p>
<div class="lb-trans"><p>關於節省維護和保險費用的建議：</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>-- 如果你購買二手車，在購買前帶它去機械師那裏進行檢查 - 費用大約為 150 美元。許多二手車商允許潛在買家進行購前檢查。&#34;這每一分錢都是值得的，因為如果你不這樣做，可能會在後續的維護和修理中花費你數千美元，&#34;Fix 説。</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>-- 參加 AAA 防禦性駕駛課程。完成該課程可能會導致保險折扣或根據州的不同減少駕照上的積分。</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>如果你想在保險上省錢，選擇一輛汽油動力的車輛，尤其是因為以前幫助抵消成本的電動車税收抵免已經到期。&#34;如果車輛是插電式混合動力車或電動車，[保險費] 總是會高於汽油動力車輛，&#34;她説，因為火災風險和更高的維修成本。</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>你是否有關於花錢的問題，希望在 MarketWatch 中看到相關內容？我們希望聽到讀者的聲音。你可以寫信給我們，郵箱是 readerstories@marketwatch.com。記者可能會聯繫你以瞭解更多信息。MarketWatch 不會在未經你允許的情況下將你的回答以姓名形式歸屬給你。</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>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和華爾街日報發佈。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>(結束) 道瓊斯新聞通訊</p>
</div><p>02-07-26 1051ET</p>
<div class="lb-trans"><p>02-07-26 1051ET</p>
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這些汽車擁有的隱藏成本在買家離開經銷商後很久才讓他們感到價格震驚