小米YU7、尊界S800车价差60万，保费仅差几百，博主曝光：小米赔付率高

Core Viewpoint - The insurance costs for the Xiaomi YU7 and the Huawei ZunJie S800 are surprisingly similar despite a significant price difference of 600,000 yuan between the two vehicles, raising questions about the insurance pricing model in the automotive market [1][2][21]. Group 1: Insurance Cost Comparison - The Xiaomi YU7, priced at 357,400 yuan, has an insurance fee of 8,187.22 yuan, while the ZunJie S800, priced at 948,000 yuan, has an insurance fee of 8,877.77 yuan, resulting in a mere difference of 690.55 yuan [3][21]. - Both vehicles' insurance plans were sourced from Ping An Insurance, with similar terms including a third-party liability coverage of 3 million yuan [3][4]. Group 2: Market Response and Sales Performance - The Xiaomi YU7, launched on June 26, 2023, has seen a strong market response, achieving 200,000 pre-orders within 3 minutes and 248,000 within 18 hours [6]. - The ZunJie S800, a luxury vehicle developed in collaboration with Jianghuai, has also performed well, surpassing 8,000 pre-orders within 50 days of its launch [7]. Group 3: Secondary Market Dynamics - There is a notable trend in the secondary market for the Xiaomi YU7, with over 80 units listed for sale, often at prices exceeding the original price by 10,000 to 20,000 yuan, indicating a high demand and potential price inflation [15][16][19]. - The secondary market dynamics are driven by both professional car dealers and individual owners, leading to a "double markup" phenomenon where prices are increased at multiple stages of resale [19].