First, let's start with car insurance. According to the commercial insurance calculator, the full insurance** is 19,111 yuan, of which the cost of third-party liability insurance is 2,133 yuan, the vehicle loss insurance is 13,838 yuan, the liability insurance of vehicle personnel (driver and passenger) is about 2,040 yuan, and the body scratch insurance is 1,100 yuan.
The second is the compulsory compulsory traffic insurance stipulated by the state, and the cost is 950 yuan. Therefore, the total investment in insurance for this car is 20,061 yuan.
Next, let's talk about fuel costs. For the average family, this is also a large expense. WLTC combined fuel consumption of 104L 100km, we carried out the actual fuel consumption test, mainly covering urban expressways, ring roads and highways, and finally got a fuel consumption data of about 12L 100km. According to the information shown in the car purchase manual, if the gasoline ** is about 8 yuan and the driver has an annual mileage of about 15,000 kilometers, then the annual cost of fuel consumption is 14,400 yuan.
Finally, let's talk about maintenance costs. As the mileage of the vehicle increases, it is necessary to carry out subsequent maintenance. According to the ** of the 4S shop, every 10,000 kilometers of small maintenance, it takes 1,207 yuan to replace the oil and filter.
The air filter core and the air conditioning filter core need to be replaced according to the actual testing situation, and it is estimated that it will be replaced every 20,000 kilometers, which will cost 1,621 yuan. It costs 1,216 yuan to replace the spark plug every 20,000 kilometers. It takes 428 yuan to change the brake fluid every 30,000 kilometers. It costs 629 yuan to replace the fuel filter every 40,000 kilometers. The maintenance cost of 60,000 kilometers in three years totaled 17,238 yuan, and the monthly maintenance cost was 478$8.
To sum up, the maintenance cost of this BMW X7 mainly includes three major components: insurance, maintenance, and fuel.
Among them, the total investment in insurance is 20,061 yuan;In terms of fuel consumption, the annual consumption cost is 14,400 yuan;In terms of maintenance, a total of 17,238 yuan will be spent within 60,000 kilometers in three years. The cost of spreading these expenses over a single month is around 3,350 yuan. Do you think this fee is within your acceptable range?