{"id":91483,"date":"2026-02-18T17:18:38","date_gmt":"2026-02-18T22:18:38","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=91483"},"modified":"2026-02-19T17:19:12","modified_gmt":"2026-02-19T22:19:12","slug":"20260218-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e9%a3%99%e5%8d%87%ef%bc%8c%e8%bd%a6%e4%b8%bb%e6%ad%a3%e8%a2%ab%e9%80%bc%e5%88%b0%e4%b8%b4%e7%95%8c","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=91483","title":{"rendered":"20260218\/\u52a0\u62ff\u5927\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\u98d9\u5347\uff0c\u8f66\u4e3b\u6b63\u88ab\u201c\u903c\u5230\u4e34\u754c\u70b9\u201d"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u5728\u52a0\u62ff\u5927\uff0c\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\u6b63\u5728\u5feb\u901f\u4e0a\u6da8\uff0c\u8d8a\u6765\u8d8a\u591a\u8f66\u4e3b\u611f\u53f9\u201c\u8d1f\u62c5\u4e0d\u8d77\u201d\uff0c\u751a\u81f3\u88ab\u8feb\u6539\u53d8\u8d2d\u8f66\u548c\u7528\u8f66\u65b9\u5f0f\u3002\u4e13\u5bb6\u8b66\u544a\uff0c\u4fdd\u9669\u6210\u672c\u5df2\u6210\u4e3a\u7ee7\u623f\u4ef7\u548c\u98df\u54c1\u4ef7\u683c\u4e4b\u540e\uff0c\u52a0\u62ff\u5927\u5bb6\u5ead\u8d22\u52a1\u538b\u529b\u7684\u91cd\u8981\u6765\u6e90\u4e4b\u4e00\u3002<\/p>\n<p><strong>**\u4e70\u8f66\u5bb9\u6613\u517b\u8f66\u96be\uff1a\u666e\u901a\u5bb6\u5ead\u7684\u771f\u5b9e\u56f0\u5883<\/strong><\/p>\n<p>\u591a\u4f26\u591a\u627f\u5305\u5546Alex Bourgeois\u6700\u8fd1\u8ba1\u5212\u8d2d\u4e70\u4e00\u8f86\u4e8c\u624b\u8f66\uff0c\u4e3a\u5373\u5c06\u5b66\u8f66\u768415\u5c81\u5973\u513f\u4f7f\u7528\u3002\u4f46\u4ed6\u5df2\u7ecf\u9884\u4f30\uff0c\u4fdd\u9669\u8d39\u7528\u5c06\u8fdc\u8d85\u8f66\u8f86\u672c\u8eab\u4ef7\u503c\u3002<\/p>\n<p>\u4ed6\u8003\u8651\u8d2d\u4e70\u4e00\u8f86\u4ef7\u503c\u7ea61\u4e07\u52a0\u5143\u76842015\u5e74\u672c\u7530CR-V\uff0c\u4f46\u9884\u8ba1\u5e74\u4fdd\u9669\u8d39\u9ad8\u8fbe 6500\u52a0\u5143\u3002\u7531\u4e8e\u4ed6\u9700\u8981\u81ea\u5df1\u7684\u5361\u8f66\u7528\u4e8e\u5de5\u4f5c\uff0c\u65e0\u6cd5\u5c06\u5973\u513f\u5217\u4e3a\u201c\u5076\u5c14\u9a7e\u9a76\u5458\u201d\uff08secondary driver\uff09\u4ee5\u964d\u4f4e\u4fdd\u8d39\uff0c\u56e0\u6b64\u5fc5\u987b\u652f\u4ed8\u9ad8\u6602\u7684\u201c\u4e3b\u8981\u9a7e\u9a76\u5458\u201d\u4fdd\u9669\u8d39\u3002<\/p>\n<p>\u201c\u6211\u53ea\u80fd\u4e70\u4e00\u8f86\u8001\u4f46\u53ef\u9760\u7684\u8f66\u7ed9\u5973\u513f\u7ec3\u8f66\uff0c\u5982\u679c\u628a\u5979\u5217\u4e3a\u4e3b\u8981\u9a7e\u9a76\u5458\uff0c\u4ed6\u4eec\u4f1a\u72e0\u72e0\u5bb0\u6211\u4e00\u7b14\uff0c\u201d\u4ed6\u8bf4\uff0c\u201c\u4fdd\u9669\u771f\u7684\u662f\u4e00\u5927\u6311\u6218\u3002\u201d<\/p>\n<p>\u7c7b\u4f3c\u7684\u60c5\u51b5\u6b63\u5728\u52a0\u62ff\u5927\u666e\u904d\u51fa\u73b0\u3002\u8bb8\u591a\u5bb6\u5ead\u5e72\u8106\u653e\u5f03\u8d2d\u4e70\u7b2c\u4e8c\u8f86\u8f66\uff0c\u5ef6\u957f\u73b0\u6709\u8f66\u8f86\u4f7f\u7528\u5e74\u9650\uff0c\u6216\u9009\u62e9\u4fdd\u9669\u6210\u672c\u8f83\u4f4e\u7684\u8f66\u578b\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/02\/insurance260218_1.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/02\/insurance260218_1.png\" alt=\"\" width=\"694\" height=\"521\" class=\"aligncenter size-full wp-image-91484\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/02\/insurance260218_1.png 694w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/02\/insurance260218_1-300x225.png 300w\" sizes=\"(max-width: 694px) 100vw, 694px\" \/><\/a><\/p>\n<p><strong>**\u5168\u56fd\u4fdd\u8d39\u6301\u7eed\u4e0a\u6da8\uff0c\u5b89\u7701\u5c24\u4e3a\u660e\u663e<\/strong><\/p>\n<p>\u6570\u636e\u663e\u793a\uff0c\u52a0\u62ff\u5927\u6c7d\u8f66\u4fdd\u9669\u8d39\u8fc7\u53bb\u51e0\u5e74\u6301\u7eed\u4e0a\u5347\uff1a<\/p>\n<p>\u5168\u56fd\u5e73\u5747\u5e74\u4fdd\u8d39\uff1a\u7ea62006\u52a0\u5143\uff08Sonnet Insurance\uff09\uff1b<\/p>\n<p>\u5b89\u7701\u8fc7\u53bb5\u5e74\u4fdd\u8d39\u4e0a\u6da8\uff1a18.9%\uff08\u52a0\u62ff\u5927\u7edf\u8ba1\u5c40\uff09\uff1b<\/p>\n<p>2025\u5e74\u4e0a\u534a\u5e74\u5b89\u7701\u5e73\u5747\u4fdd\u8d39\uff1a2779\u52a0\u5143\uff0835\u5c81\u65e0\u4e8b\u6545\u7537\u6027\u53f8\u673a\uff09\uff1b<\/p>\n<p>\u963f\u5c14\u4f2f\u5854\u7701\u8fc7\u53bb5\u5e74\u4e0a\u6da8\uff1a26%\uff1b<\/p>\n<p>\u963f\u7701\u5e73\u5747\u4fdd\u8d39\uff1a1709\u52a0\u5143\uff0c\u4f46\u5e74\u8f7b\u548c\u65b0\u624b\u53f8\u673a\u8fdc\u9ad8\u4e8e\u6b64\u6c34\u5e73<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u4fdd\u9669\u76f8\u5173\u8bc9\u8bbc\u548c\u6cd5\u5f8b\u8d39\u7528\u81ea2018\u5e74\u4ee5\u6765\u4e0a\u6da8 31%\uff0c\u8fdb\u4e00\u6b65\u63a8\u9ad8\u4e86\u4fdd\u9669\u6210\u672c\u3002<\/p>\n<p><strong>**\u4e3a\u4f55\u6c7d\u8f66\u4fdd\u9669\u8d8a\u6765\u8d8a\u8d35\uff1f<\/strong><\/p>\n<p>\u4e13\u5bb6\u6307\u51fa\uff0c\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\u4e0a\u6da8\u4e3b\u8981\u7531\u591a\u4e2a\u56e0\u7d20\u53e0\u52a0\u5bfc\u81f4\uff1a<\/p>\n<p>\u6781\u7aef\u5929\u6c14\u4e0e\u4e8b\u6545\u635f\u5931\uff1a\u9891\u7e41\u7684\u6781\u7aef\u5929\u6c14\u5bfc\u81f4\u8f66\u8f86\u635f\u6bc1\u589e\u52a0\uff0c\u4fdd\u9669\u516c\u53f8\u8d54\u4ed8\u538b\u529b\u4e0a\u5347\u3002<\/p>\n<p>\u7ef4\u4fee\u6210\u672c\u98d9\u5347\uff1a\u73b0\u4ee3\u8f66\u8f86\u7535\u5b50\u5316\u7a0b\u5ea6\u9ad8\uff0c\u7ef4\u4fee\u6210\u672c\u5927\u5e45\u589e\u52a0\uff0c\u4e8b\u6545\u8d54\u4ed8\u91d1\u989d\u4e0d\u65ad\u6500\u5347\u3002<\/p>\n<p>\u6c7d\u8f66\u76d7\u7a83\u6fc0\u589e\uff1a\u5b89\u7701\u548c\u9b41\u5317\u514b\u8fd1\u5e74\u6765\u6c7d\u8f66\u76d7\u7a83\u6848\u4ef6\u6fc0\u589e\uff0c\u4e5f\u63a8\u52a8\u4fdd\u9669\u8d39\u4e0a\u6da8\u3002<\/p>\n<p>\u6cd5\u5f8b\u8bc9\u8bbc\u6210\u672c\u589e\u52a0\uff1a\u4fdd\u9669\u7d22\u8d54\u76f8\u5173\u6cd5\u5f8b\u8d39\u7528\u5728\u8fc7\u53bb\u51e0\u5e74\u6fc0\u589e\uff0c\u589e\u52a0\u4e86\u4fdd\u9669\u516c\u53f8\u8fd0\u8425\u6210\u672c\u3002<\/p>\n<p>\u4fdd\u9669\u5e02\u573a\u7ade\u4e89\u51cf\u5c11\uff1a\u5728\u963f\u5c14\u4f2f\u5854\u7b49\u5730\u533a\uff0c\u4fdd\u9669\u516c\u53f8\u56e0\u4e8f\u635f\u9000\u51fa\u5e02\u573a\uff0c\u5bfc\u81f4\u7ade\u4e89\u51cf\u5c11\u3001\u4ef7\u683c\u4e0a\u5347\u3002<\/p>\n<p><strong>**\u5e74\u8f7b\u53f8\u673a\u6210\u201c\u6700\u60e8\u7fa4\u4f53\u201d<\/strong><\/p>\n<p>\u7ea6\u514b\u5927\u5b66\u91d1\u878d\u89c4\u5212\u526f\u6559\u6388Dan Richards\u8868\u793a\uff0c\u9752\u5c11\u5e74\u548c\u65b0\u624b\u53f8\u673a\u59cb\u7ec8\u662f\u4fdd\u9669\u4f53\u7cfb\u4e2d\u6700\u6602\u8d35\u7684\u4eba\u7fa4\u3002<\/p>\n<p>\u5f88\u591a\u5e74\u8f7b\u4eba\u53ea\u80fd\u901a\u8fc7\uff1a\u88ab\u5217\u4e3a\u7236\u6bcd\u7684\u201c\u9644\u5c5e\u9a7e\u9a76\u5458\u201d\uff0c\u53ea\u8d2d\u4e70\u706b\u707e\u548c\u76d7\u7a83\u7b49\u6700\u4f4e\u4fdd\u969c\u6765\u964d\u4f4e\u8d39\u7528\u3002<\/p>\n<p><strong>**\u5982\u4f55\u964d\u4f4e\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\uff1f\u4e13\u5bb6\u5efa\u8bae<\/strong><\/p>\n<p>\u4e13\u5bb6\u7ed9\u51fa\u591a\u79cd\u8282\u7701\u4fdd\u8d39\u7684\u7b56\u7565\uff1a<\/p>\n<p>\u591a\u65b9\u6bd4\u4ef7\uff1a\u4ece\u591a\u5bb6\u4fdd\u9669\u516c\u53f8\u83b7\u53d6\u62a5\u4ef7\uff0c\u5e76\u8981\u6c42\u5f53\u524d\u4fdd\u9669\u5546\u5339\u914d\u6700\u4f4e\u4ef7\u683c\u3002<\/p>\n<p>\u6253\u5305\u4fdd\u9669\uff1a\u5c06\u6c7d\u8f66\u4fdd\u9669\u4e0e\u623f\u5c4b\u4fdd\u9669\u6346\u7ed1\u8d2d\u4e70\uff0c\u53ef\u83b7\u5f97\u6298\u6263\u3002<\/p>\n<p>\u63d0\u9ad8\u514d\u8d54\u989d\uff1a\u63d0\u9ad8deductible\uff08\u514d\u8d54\u989d\uff09\u53ef\u964d\u4f4e\u4fdd\u8d39\uff0c\u4f46\u7406\u8d54\u65f6\u81ea\u4ed8\u91d1\u989d\u589e\u52a0\u3002<\/p>\n<p>\u9009\u62e9\u4f4e\u4fdd\u8d39\u8f66\u578b\uff1a\u4f8b\u5982\u5b89\u7701\u4fdd\u9669\u6210\u672c\u6700\u4f4e\u8f66\u578b\u5305\u62ecFord Transit\uff1a1248\u52a0\u5143\/\u5e74\uff1bMINI Cooper Convertible\uff1a1328\u52a0\u5143\/\u5e74\uff1bSubaru Forester\uff1a1424\u52a0\u5143\/\u5e74\u3002\u76f8\u53cd\uff0c\u9ad8\u7aef\u8c6a\u8f66\u4fdd\u8d39\u6700\u9ad8\uff1aPorsche Panamera Turbo S\uff1bMaserati Quattroporte\uff1bRange Rover Autobiography<\/p>\n<p>\u4f7f\u7528\u8f66\u8f7d\u884c\u4e3a\u76d1\u6d4b\uff08Telematics\uff09\uff1a\u5b89\u88c5\u9a7e\u9a76\u884c\u4e3a\u76d1\u6d4b\u8bbe\u5907\u53ef\u83b7\u5f97 5%\u201330%\u6298\u6263\uff0c\u4f46\u5982\u679c\u88ab\u5224\u5b9a\u4e3a\u9ad8\u98ce\u9669\u9a7e\u9a76\uff0c\u53cd\u800c\u53ef\u80fd\u88ab\u52a0\u4ef7\u3002<\/p>\n<p><strong>**\u751f\u6d3b\u6210\u672c\u5371\u673a\u53e0\u52a0\uff0c\u8f66\u4e3b\u538b\u529b\u500d\u589e<\/strong><\/p>\n<p>\u4e1a\u5185\u4eba\u58eb\u6307\u51fa\uff0c\u6c7d\u8f66\u4fdd\u9669\u4e0a\u6da8\u53ea\u662f\u52a0\u62ff\u5927\u751f\u6d3b\u6210\u672c\u5371\u673a\u7684\u4e00\u90e8\u5206\u3002<\/p>\n<p>\u201c\u4e0d\u4ec5\u4fdd\u9669\u5728\u6da8\uff0c\u51e0\u4e4e\u6240\u6709\u751f\u6d3b\u6210\u672c\u90fd\u5728\u4e0a\u5347\uff0c\u201dMyChoice\u4ea7\u54c1\u526f\u603b\u88c1Vitalii Starov\u8868\u793a\uff0c\u201c\u8fd9\u5bf9\u6d88\u8d39\u8005\u6765\u8bf4\u975e\u5e38\u4e0d\u5229\u3002\u201d<\/p>\n<p>\u5728\u9ad8\u623f\u4ef7\u3001\u9ad8\u5229\u7387\u3001\u9ad8\u98df\u54c1\u4ef7\u683c\u7684\u80cc\u666f\u4e0b\uff0c\u8d8a\u6765\u8d8a\u591a\u52a0\u62ff\u5927\u4eba\u5f00\u59cb\u8d28\u7591\u662f\u5426\u8fd8\u80fd\u8d1f\u62c5\u6c7d\u8f66\u8fd9\u4e00\u201c\u5fc5\u9700\u54c1\u201d\u3002<\/p>\n<p>Bourgeois\u8ba1\u5212\u8ba9\u4fdd\u9669\u7ecf\u7eaa\u4eba\u5e2e\u4ed6\u5bfb\u627e\u6700\u4f4e\u62a5\u4ef7\uff0c\u540c\u65f6\u5e0c\u671b\u5973\u513f\u4eca\u5e74\u590f\u5929\u627e\u4e00\u4efd\u517c\u804c\u5de5\u4f5c\uff0c\u81f3\u5c11\u627f\u62c5\u90e8\u5206\u71c3\u6cb9\u8d39\u7528\u3002<\/p>\n<p>\u4ed6\u7684\u6545\u4e8b\uff0c\u4e5f\u6210\u4e3a\u8bb8\u591a\u52a0\u62ff\u5927\u5bb6\u5ead\u7684\u7f29\u5f71\uff1a\u4e70\u8f66\u4e0d\u518d\u662f\u95ee\u9898\uff0c\u771f\u6b63\u7684\u95ee\u9898\u662f\u80fd\u5426\u8d1f\u62c5\u4fdd\u9669\u548c\u957f\u671f\u7528\u8f66\u6210\u672c\u3002<\/p>\n<p>\u65b0\u95fb\u6765\u6e90\uff1a<br \/>\nhttps:\/\/www.theglobeandmail.com\/investing\/personal-finance\/article-canadians-are-hitting-a-breaking-point-when-it-comes-to-the-cost-of\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u5728\u52a0\u62ff\u5927\uff0c\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\u6b63\u5728\u5feb\u901f\u4e0a\u6da8\uff0c\u8d8a\u6765\u8d8a\u591a\u8f66\u4e3b\u611f\u53f9\u201c\u8d1f\u62c5\u4e0d\u8d77\u201d\uff0c\u751a\u81f3\u88ab\u8feb\u6539\u53d8\u8d2d\u8f66\u548c\u7528\u8f66\u65b9\u5f0f\u3002\u4e13\u5bb6\u8b66\u544a\uff0c\u4fdd\u9669\u6210\u672c\u5df2\u6210\u4e3a\u7ee7\u623f\u4ef7\u548c\u98df\u54c1\u4ef7\u683c\u4e4b\u540e\uff0c\u52a0\u62ff\u5927\u5bb6\u5ead\u8d22\u52a1\u538b\u529b\u7684\u91cd\u8981\u6765\u6e90\u4e4b\u4e00\u3002 **\u4e70\u8f66\u5bb9\u6613\u517b\u8f66\u96be\uff1a\u666e\u901a\u5bb6\u5ead\u7684\u771f\u5b9e\u56f0\u5883 \u591a\u4f26\u591a\u627f\u5305\u5546Alex Bourgeois\u6700\u8fd1\u8ba1\u5212\u8d2d\u4e70\u4e00\u8f86\u4e8c\u624b\u8f66&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=91483\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":91484,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/91483"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=91483"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/91483\/revisions"}],"predecessor-version":[{"id":91485,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/91483\/revisions\/91485"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/91484"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=91483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=91483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=91483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}