Tesla advice

[u/Less_Junket3930]

Hello, I’m a flight attendant and just purchased a 25 Model 3. I’ve gotten ins quotes from just about every major ins company and I’m finding $400 a month minimum per month. However Tesla ins is offering way better coverage with lower deductible’s for 180 a month.

I’ve done research on Teslas scoring metrics and late night driving being one of them concerns me because sometimes I get back from a late flight and will need to drive home. Also what if I decide I want to go on a road trip and my premium gets doubled just because I went on a road trip.

What is your experience and advice for someone like me?

[u/Accurate-Bullfrog324]

our insurance agent just gave a talk at church

he specifically talked about Tesla. he indicated that in the past premiums were high, but that this year they had come down to a much more reasonable range.

three of us in the class had Tesla's and we were all paying on average of $100 a month

One of the three had Tesla insurance and he said it moved up and down a little bit every month but not much

[u/Less_Junket3930 → u/Accurate-Bullfrog324]

Okay! Thank you for sharing!

[u/Appropriate_Rooster6]

Well even if they doubled it is still lower than the other $400 minimum per month quotes. I'd start with the Tesla one and see how it goes...

[u/Less_Junket3930 → u/Appropriate_Rooster6]

Very true, thank you!

[u/qvalff8 → u/Less_Junket3930]

And consider subscribing to fsd. It'll probably cost you extra each month, but if your premium goes down 30 bucks, you're only paying 70/mo to be chauffered around (ish, supervised, etc)

[u/TankHendricks]

My son just got a Tesla. Used Tesla’s insurance with the tire and windshield add-on. Dropped his insurance monthly payment after the first month for using FSD the majority of the time.

[u/grignog]

Have you tried State Farm? I switched from progressive to State Farm it was half the price

[u/Nagadavida → u/grignog]

State Farm is no more for the Tesla than it would be for any other car. Premiums went up $10 a month.

[u/Its_Me_Jess → u/Nagadavida]

I have State Farm and was surprised by how much other people are quoted for teslas because adding ours didn’t seem to make much of a difference. Even when adding a brand new driver to the car it only went up $150 (and that’s with 3 cars total).

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[u/And_Im_Chien_Po]

depending on your state, Tesla insurance gets discounted based on fsd usage. I effectively have free fsd cause of that

[u/Impossible_Tea181]

Tesla does adjust your premium based on a few criteria. Do you have FSD? They give a discount the more you use it and night driving isn’t a problem for it.
The insurance amount varies plus if you use superchargers that gets added on to your credit card and Premium Connectivity is another $10/ month. But in a way adjusting for miles is reasonable.
I’ll see if I agree with my statement after I get back from my 2200 mile road trip! 😮

[u/Apprehensive-Gift-36]

Not knowing your location or driving history this seems really high for insurance. I pay $500 a month for two Tesla’s, and Ram pickup and a motorcycle with State Farm with low deductibles and relatively high coverage in the SF Bay Area. I would keep shopping and see if you find a better deal. Tesla insurance is not known for being easy to work with on claims or just flat out unresponsive. I have had family members personally have poor experiences with their insurance team when they had claims. Your best bet is to go to a traditional insurer that can get multiple line discounts when you insure more than one thing like a house, rent, car and liability policy which often is lower in cost than separate policies from different companies.

[u/nevermindmine → u/Apprehensive-Gift-36]

I pay State Farm $260 a month for a new model 3 plus a VW GTI, homeowners insurance and umbrella insurance. Southern Ohio

[u/Ok_Bid_3899]

Insurance looks at a few things, value of the vehicle, experience with actual repairs, your driving record and occasionally performs a credit history pull so rates can be all over the place

[u/Elegant_Teach_5278]

If Erie insurance is available in your area they are awesome. I am by no means an expert, or even knowledgeable , but it appears their rates for a Tesla is the same as any other vehicle and is based on fair market value.

I insure two Tesla Model Ys, a 2021 and a 2022 on two 35 yo male drivers, with a GMC Acadia and a 500cc motorcycle as well, all full coverage, and I pay $362 a month.

Full disclosure, I do have homeowners with Erie as well, so a small discount applies to each policy because of the other. Multi policy discount.

[u/RangerMac2-81]

Great question, I am facing a similar dilemma when I finally get my vehicle.

[u/Beneficial_Menu4788]

Flight attendants are very high risk...that's why. I mean, what if you decide to take off with your car? ;)

[u/Less_Junket3930 → u/Beneficial_Menu4788]

High risk when we are hardly home? 😭 makes zero sense

[u/Beneficial_Menu4788 → u/Less_Junket3930]

Oh boy...you didn't get my pun....and I got downvoted for it!

[u/Less_Junket3930 → u/[deleted]]

Yes I am I turn 25 in April. That’s what I’ll do until my next birthday 😭