{"id":19073,"date":"2025-07-17T22:40:04","date_gmt":"2025-07-17T14:40:04","guid":{"rendered":"https:\/\/www.xsuniot.com\/?p=19073"},"modified":"2025-07-17T22:40:04","modified_gmt":"2025-07-17T14:40:04","slug":"insurers-use-obd-trackers","status":"publish","type":"post","link":"https:\/\/www.xsuniot.com\/zh\/insurers-use-obd-trackers\/","title":{"rendered":"\u56fd\u9645\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u6709\u6548\u4f7f\u7528 OBD \u8ffd\u8e2a\u5668"},"content":{"rendered":"<h2 class=\"paragraph\">\u5728\u6210\u719f\u5e02\u573a\u4e2d\uff0c\u4fdd\u9669\u516c\u53f8\u5df2\u5c06 \"\u9a7e\u9a76\u884c\u4e3a\u6570\u636e \"\u4ece\u4e00\u79cd \"\u6570\u636e \"\u8f6c\u53d8\u4e3a \"\u6570\u636e\"\u3002 <a href=\"https:\/\/www.xsuniot.com\/zh\/product-category\/obd-tracking-diagnostics\/\">OBD \u8ffd\u8e2a\u5668<\/a> (\u8f66\u8f7d\u8bca\u65ad\uff09\u6210\u4e3a\u5b9a\u4ef7\u3001\u98ce\u9669\u63a7\u5236\u548c\u5ba2\u6237\u53c2\u4e0e\u7684\u6838\u5fc3\u8d44\u4ea7\u3002\u4ee5\u4e0b\u662f\u56db\u4e2a\u884c\u4e4b\u6709\u6548\u7684\u4f7f\u7528\u6848\u4f8b\uff0c\u8fd9\u4e9b\u6848\u4f8b\u521b\u5efa\u4e86\u4e00\u4e2a\u4ece\u627f\u4fdd\u5230\u7406\u8d54\u548c\u4fdd\u7559\u7684\u95ed\u73af\u3002<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-18954\" src=\"https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn.webp\" alt=\"OBD TRACKERS\" width=\"251\" height=\"282\" srcset=\"https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn.webp 800w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-267x300.webp 267w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-712x800.webp 712w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-768x863.webp 768w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-11x12.webp 11w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-430x483.webp 430w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-700x787.webp 700w, https:\/\/www.xsuniot.com\/wp-content\/uploads\/2025\/03\/H6008c56cdddb4a8e9522ebd781a38affn-150x169.webp 150w\" sizes=\"(max-width: 251px) 100vw, 251px\" \/><\/p>\n<ol start=\"1\">\n<li>\n<div class=\"paragraph\">\u7cbe\u786e\u5b9a\u4ef7\uff1a\u5c06\u6ea2\u4ef7\u4e0e\u5b9e\u65f6\u98ce\u9669\u6302\u94a9<br \/>\n- Progressive \u7684 Snapshot\uff08\u7f8e\u56fd\uff0c2009 \u5e74\u63a8\u51fa\uff09\u5c06\u4e00\u4e2a\u5c0f\u578b OBD-II \u52a0\u5bc6\u72d7\u63d2\u5165\u4eea\u8868\u76d8\u4e0b\uff0c\u5e76\u4e0a\u4f20\u6025\u52a0\u901f\u3001\u6025\u5239\u8f66\u3001\u91cc\u7a0b\u7b49\u6570\u636e\u3002<br \/>\n- \u7b97\u6cd5\u4f1a\u8fd4\u56de 0-30 \u7684 % \u6298\u6263\u3002\u5230 2023 \u5e74\uff0c\u8be5\u8ba1\u5212\u5df2\u6536\u96c6\u4e86 1.7 \u4e07\u4ebf\u4e2a \"\u5feb\u7167\"\uff0c\u4f7f\u4fdd\u8d39\u4e0e\u5b9e\u9645\u98ce\u9669\u4fdd\u6301\u4e00\u81f4\u3002<br \/>\n- \u5168\u5dde\u4fdd\u9669\u516c\u53f8\u7684 Drivewise \u548c\u5dde\u7acb\u519c\u573a\u7684 Drive Safe &amp; Save \u91c7\u7528\u4e86\u76f8\u540c\u7684 OBD \u6a21\u5f0f\uff0c\u5c06 GPS \u6216\u624b\u673a\u9640\u87ba\u4eea\u6570\u636e\u5206\u5c42\uff0c\u4e3a \"\u6bcf\u516c\u91cc\u98ce\u9669 \"\u5b9a\u4ef7\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u79ef\u6781\u4e3b\u52a8\u7684\u98ce\u9669\u63a7\u5236\uff1a\u964d\u4f4e\u6b3a\u8bc8\u9891\u7387<br \/>\n- \u8bbe\u5907\u53ef\u8bb0\u5f55\u8f66\u901f\u3001\u6025\u8f6c\u5f2f\u3001\u591c\u95f4\u9a7e\u9a76\u548c\u5176\u4ed6\u9ad8\u98ce\u9669\u4e8b\u4ef6\u3002\u901a\u8fc7\u4fdd\u9669\u516c\u53f8\u7684\u5e94\u7528\u7a0b\u5e8f\u53d1\u9001\u7684\u6307\u5bfc\u4fe1\u606f\u5e73\u5747\u51cf\u5c11\u4e86 5-10 % \u7684\u7d22\u8d54\u9891\u7387\u3002<br \/>\n- \u5728\u649e\u51fb\u77ac\u95f4\uff0c\u52a0\u5bc6\u7684\u91cd\u529b\u3001\u53d1\u52a8\u673a\u8f6c\u901f\u548c\u4f4d\u7f6e\u8ddf\u8e2a\u4fe1\u606f\u88ab\u4e0a\u4f20\uff0c\u4ece\u800c\u5b9e\u73b0\u4e86\u78b0\u649e\u73b0\u573a\u91cd\u5efa\u548c\u9636\u6bb5\u6027\u4e8b\u6545\u68c0\u6d4b\uff1b\u7d22\u8d54\u5468\u671f\u4ece\u6570\u5468\u7f29\u77ed\u5230\u6570\u5929\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u589e\u503c\u670d\u52a1\uff1a\u589e\u5f3a\u7c98\u6027\u548c\u4ea4\u53c9\u9500\u552e<br \/>\n- Metromile \u5c06\u5176 OBD \u8ddf\u8e2a\u5668\u4e0e\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u76f8\u7ed3\u5408\uff0c\u63d0\u4f9b\u5b9e\u65f6\u71c3\u6cb9\u7ecf\u6d4e\u6027\u3001\u8f66\u8f86\u5065\u5eb7\u8b66\u62a5\u3001\u5931\u7a83\u627e\u56de\u548c\u4e00\u952e\u5f0f\u9053\u8def\u6551\u63f4\u670d\u52a1\u3002\u4e0e\u4f20\u7edf\u4fdd\u5355\u76f8\u6bd4\uff0c\u6bcf\u6708\u6d3b\u8dc3\u7528\u6237\u6570\u91cf\u589e\u52a0\u4e86\u4e09\u500d\u3002<br \/>\n- \u6b27\u6d32\u7684 Insure The Box \u5c06\u8ddf\u8e2a\u5668\u53d8\u6210\u4e86\u6e38\u620f\u5316\u7684 \"\u9a7e\u9a76\u6311\u6218\"\u3002\u5b89\u5168\u9a7e\u9a76\u8005\u7528\u83b7\u5f97\u7684\u79ef\u5206\u5151\u6362\u71c3\u6cb9\u5238\uff1b\u7eed\u4fdd\u7387\u63d0\u9ad8\u4e86 12 %\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u964d\u4f4e\u8fd0\u8425\u6210\u672c\uff1a\u786c\u4ef6\u5373\u670d\u52a1<br \/>\n- \u79fb\u4e3a\u901a\u4fe1\u7684GV500CNA\u7b494G\/5G OBD\u8ffd\u8e2a\u5668\u73b0\u5728\u5d4c\u5165\u4e86eSIM\u3001\u84dd\u7259\u548c\u7a7a\u4e2d\u66f4\u65b0\u529f\u80fd\u3002\u4fdd\u9669\u516c\u53f8\u53ea\u9700\u652f\u4ed8\u6570\u636e\u6216\u8bbe\u5907\u8ba2\u9605\u8d39\u7528\uff0c\u603b\u62e5\u6709\u6210\u672c\u4fdd\u6301\u5728\u6bcf\u67082\u7f8e\u5143\u4ee5\u4e0b\u3002<br \/>\n- \u5728\u89c4\u6a21\u4e0a\uff0c\u8bbe\u5907\u8d39\u548c\u8fde\u63a5\u8d39\u90fd\u5305\u542b\u5728\u9996\u671f\u4fdd\u8d39\u4e2d\uff1b\u5ba2\u6237\u7684\u5b89\u88c5\u6210\u672c\u4e3a\u96f6\uff0c\u800c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u96c6\u4e2d\u56de\u6536\u548c\u91cd\u65b0\u90e8\u7f72\u786c\u4ef6\u3002<\/div>\n<\/li>\n<\/ol>\n<h2>\u4e00\u6b3e\u51fa\u8272\u7684 OBD \u8ffd\u8e2a\u5668\u5fc5\u987b\u5728\u516d\u4e2a\u6838\u5fc3\u65b9\u9762\u8868\u73b0\u51fa\u8272\uff1a\u5b9a\u4f4d\u7cbe\u5ea6\u3001\u8f66\u8f86\u8bca\u65ad\u3001\u5373\u63d2\u5373\u7528\u7684\u4fbf\u5229\u6027\u3001\u5b89\u5168\u6027\u3001\u6570\u636e\u529f\u80fd\u548c\u573a\u666f\u9002\u5e94\u6027\u3002\u501f\u9274\u5168\u7403\u6700\u4f73\u5b9e\u8df5\uff0c\u4ee5\u4e0b\u662f\u5341\u9879\u5fc5\u5907\u529f\u80fd\uff1a<\/h2>\n<div>\n<ul>\n<li>\n<div class=\"paragraph\">\u5398\u7c73\u5230\u7c73\u7ea7\u5b9a\u4f4d<br \/>\n- \u591a\u661f\u5ea7\u5168\u7403\u5bfc\u822a\u536b\u661f\u7cfb\u7edf\uff08GPS + \u5317\u6597 + \u683c\u6d1b\u7eb3\u65af\uff09\uff0c\u51b7\u542f\u52a8\u65f6\u95f4\u2264 120 \u79d2\uff0c\u70ed\u542f\u52a8\u65f6\u95f4\u2264 10 \u79d2\uff0c\u6c34\u5e73\u8bef\u5dee\u2264 5 \u7c73\uff0c\u66f4\u65b0\u901f\u7387\u2265 1 \u8d6b\u5179\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u5168\u534f\u8bae\u6c7d\u8f66\u7ea7\u8bca\u65ad\u529f\u80fd<br \/>\n- \u4e0e ISO9141-2\u3001SAE J1850\u3001ISO14230-4\u3001ISO15765-4 \u548c SAE J1939 \u517c\u5bb9\uff1b\u53ef\u8bfb\u53d6 VIN\u3001\u91cc\u7a0b\u3001\u77ac\u65f6\/\u5e73\u5747\u6cb9\u8017\u3001\u8f6c\u901f\u3001\u51b7\u5374\u6db2\u6e29\u5ea6\u3001\u8282\u6c14\u95e8\u3001DTC\u3001\u51bb\u7ed3\u5e27\u548c 20 \u591a\u4e2a\u5176\u4ed6 ECU \u53c2\u6570\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u771f\u6b63\u7684\u5373\u63d2\u5373\u7528\u578b\u5bbd\u8303\u56f4\u7535\u6e90<br \/>\n- \u6807\u51c6 16 \u9488 OBD-II \u8fde\u63a5\u5668\uff0c9-36 V \u8f93\u5165\u7535\u538b\uff0c\u9002\u7528\u4e8e\u4e58\u7528\u8f66\u3001\u5546\u7528\u8f66\u548c\u7535\u52a8\u6c7d\u8f66\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u9632\u7be1\u6539\u548c\u9690\u5f62\u5b89\u5168<br \/>\n- \u5149\u7ebf\u4f20\u611f\u5668\u548c\u52a0\u901f\u5ea6\u8ba1\u53ef\u89e6\u53d1\u5373\u65f6\u62d4\u63d2\u8b66\u62a5\uff1b\u53ef\u9009\u7684\u9690\u85cf\u5f0f\u5ef6\u957f\u7ebf\u6216\u9501\u5b9a\u5939\u53ef\u9632\u6b62\u5feb\u901f\u62d4\u63d2\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">4G\/5G + \u84dd\u7259\u53cc\u8fde\u63a5<br \/>\n- Cat-M1\/NB-IoT \u7528\u4e8e\u4f4e\u529f\u8017\u5e7f\u57df\u8986\u76d6\uff1b\u84dd\u7259 5.0 \u7528\u4e8e\u672c\u5730\u914d\u7f6e\u548c\u79bb\u7ebf\u7f13\u51b2\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u8d85\u4f4e\u529f\u8017\u548c\u7535\u6c60\u4fdd\u62a4<br \/>\n- \u70b9\u706b\u5173\u95ed\u540e\u7684\u4f11\u7720\u7535\u6d41\u5c0f\u4e8e 3 mA\uff1b\u667a\u80fd\u7535\u6c60\u7535\u538b\u76d1\u63a7\u5728\u8017\u5c3d\u524d\u53d1\u51fa\u8b66\u544a\u5e76\u5173\u95ed\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u8fb9\u7f18\u8ba1\u7b97\u548c OTA \u66f4\u65b0<br \/>\n- \u53ef\u5bf9\u6076\u52a3\u7684\u52a0\u901f\u3001\u5236\u52a8\u548c\u78b0\u649e\u4e8b\u4ef6\u8fdb\u884c\u672c\u5730\u5904\u7406\uff1bFOTA\/SOTA \u56fa\u4ef6\u5347\u7ea7\u53ef\u786e\u4fdd 7 \u5e74\u4ee5\u4e0a\u7684\u751f\u547d\u5468\u671f\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u4e91\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u548c\u591a\u7528\u6237\u7ba1\u7406<br \/>\n- \u7528\u4e8e UBI \u6216\u8f66\u961f SaaS \u7684 RESTful\/MQTT \u63a5\u53e3\uff1b\u8de8\u5fae\u4fe1\u3001\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u548c\u95e8\u6237\u7f51\u7ad9\u7684\u5b9e\u65f6\u540c\u6b65\uff0c\u652f\u6301 100 k \u8bbe\u5907\u5e76\u53d1\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u5f3a\u5927\u7684\u73af\u5883\u8010\u4e45\u6027<br \/>\n- \u5de5\u4f5c\u6e29\u5ea6 -20 \u00b0C \u81f3 +70 \u00b0C\uff0c\u9632\u5c18\/\u9632\u6c34\u7b49\u7ea7 IP54+\uff1b\u901a\u8fc7\u6c7d\u8f66\u7ea7\u632f\u52a8\u3001\u76d0\u96fe\u3001\u8dcc\u843d\u548c EMC \u6d4b\u8bd5\u3002<\/div>\n<\/li>\n<li>\n<div class=\"paragraph\">\u57fa\u4e8e\u60c5\u666f\u7684\u589e\u503c\u670d\u52a1<br \/>\n- \u4e00\u952e\u5f0f\u8fdc\u7a0b\u8bca\u65ad\u3001\u7ef4\u62a4\u63d0\u9192\u3001\u9a7e\u9a76\u884c\u4e3a\u8bc4\u5206\u3001\u78b3\u6392\u653e\u4f30\u7b97\u3001\u5931\u7a83\u8ffd\u8e2a\u3001\u5730\u7406\u56f4\u680f\u548c\u884c\u7a0b\u62a5\u544a\uff0c\u6db5\u76d6\u79c1\u5bb6\u8f66\u3001\u6c7d\u8f66\u5171\u4eab\u3001\u4fdd\u9669\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u548c\u7269\u6d41\u8f66\u961f\u3002<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"paragraph\">\u7ed3\u8bba<br \/>\n\u5728\u5317\u7f8e\u548c\u6b27\u6d32 <a href=\"http:\/\/www.18GPS.net\" target=\"_blank\" rel=\"noopener\">OBD \u8ffd\u8e2a\u5668<\/a> \u5df2\u4ece\u6570\u636e\u8bb0\u5f55\u5668\u53d1\u5c55\u6210\u4e3a\u4fdd\u9669\u57fa\u7840\u8bbe\u65bd\u3002\u5b83\u80fd\u591f<br \/>\n- \u63d0\u9ad8\u7c92\u5ea6\uff0c\u4ece \"\u6a21\u5f0f\/\u5730\u533a \"\u5230 \"\u884c\u7a0b\u7ea7\u884c\u4e3a\"\u3002<br \/>\n- \u98ce\u9669\u63a7\u5236\u4ece \"\u635f\u5931\u540e\u68c0\u67e5 \"\u8f6c\u5411 \"\u5b9e\u65f6\u5e72\u9884\"\u3002<br \/>\n- \u5ba2\u6237\u5173\u7cfb\u4ece \"\u5e74\u5ea6\u63a5\u89e6\u70b9 \"\u8f6c\u53d8\u4e3a \"\u65e5\u5e38\u63a5\u89e6\u70b9\"\u3002<br \/>\n\u9884\u8ba1\u5230 2030 \u5e74\uff0c\u5168\u7403\u5168\u6c11\u4fdd\u8d39\u6e17\u900f\u7387\u5c06\u8fbe\u5230\u7ea6 50 %\uff0c\u56e0\u6b64\u8f66\u8f7d\u8bca\u65ad\u8ddf\u8e2a\u5668\u4ecd\u662f\u8d62\u5f97\u4f4e\u98ce\u9669\u3001\u9ad8\u4ef7\u503c\u6295\u4fdd\u4eba\u5e76\u964d\u4f4e\u635f\u5931\u7387\u7684\u5173\u952e\u5de5\u5177\u3002<\/div>","protected":false},"excerpt":{"rendered":"<p>Across mature markets, insurers have transformed \u201cdriving-behavior data\u201d from an OBD Trackers (on-board diagnostics) into a core asset for pricing,<\/p>","protected":false},"author":1,"featured_media":19074,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[148],"tags":[155],"class_list":["post-19073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obd-gps-tracker","tag-gps-tracking"],"_links":{"self":[{"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/posts\/19073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/comments?post=19073"}],"version-history":[{"count":2,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/posts\/19073\/revisions"}],"predecessor-version":[{"id":19076,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/posts\/19073\/revisions\/19076"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/media\/19074"}],"wp:attachment":[{"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/media?parent=19073"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/categories?post=19073"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.xsuniot.com\/zh\/wp-json\/wp\/v2\/tags?post=19073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}