为什么新车的车险比随时会坏的老车贵?

the costs to replace a new car is more than the old car
 
Because you only paid a portion of the cost of a new car and it has to be fully covered.
Old cars were paid in full usually and need 3rd party coverage only.
 
Car insurance is not insuring whether your car will run
but mainly how much the insurance company will pay you when you lost your car.
 
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