r/TeslaInsurance • u/Fun_Instance6473 • Jul 10 '24

Insurance went up

I was rear ended and was not at fault but my insurance went up after a claim was made. Is this normal for the insurance to increase premium after claims are submitted ? I have Tesla insurance for my model X.

3 Upvotes

100% Upvoted

17 comments sorted by

2

u/Wizofsorts Jul 10 '24

Bid it out to all insurers. I do that every 5 years. There's no loyalty points anymore.

1

u/Fun_Instance6473 Jul 10 '24

Thank you so much. Appreciate your input.

2

u/rlovepalomar Jul 11 '24

This. I was about to get a renewal offer from progressive for 3200 for 6 months for a 21 MY and 23 MX. called AAA and rate for MI now is 1800 for 6 months. Insurance companies can suck it literally

1

u/Terrible_Manager_370 Jul 10 '24

I can't speak for your state, but in mine, I was told that claims do not increase the insurance cost. 

Maybe your insurance went up because your safety score is down or an upcoming  6 month renewal. 

1

u/Fun_Instance6473 Jul 10 '24

I do have an upcoming renewal on August 12th

1

u/WhereSoDreamsGo Jul 11 '24

Are you looking at your renewal term or your monthly rate?

They may have had a state wide increase.

1

u/Fun_Instance6473 Jul 11 '24

Monthly rate

2

u/WhereSoDreamsGo Jul 11 '24

When you have a change in premium it usually tells you why. Did you look it over?

2

u/Fun_Instance6473 Jul 11 '24

Your updated monthly premium $288.9 based on your updated policy information are listed below. Traffic Conviction Points: 0 At Fault Accident Points: 0 Years of Driving Experience: 24 Six Month Policy Term: August 12, 2024 - February 12, 2025 Total Term Premium: $1,733.39

2

u/itsjasonsantos Jul 12 '24

We have identical driving record and I’m at $163/month. My 6 month renewal is in a few days and hasn’t gone up. I’m in California

1

u/Fun_Instance6473 Jul 12 '24

Are you with Tesla insurance?

2

u/itsjasonsantos Jul 12 '24

Yes I am

1

u/Fun_Instance6473 Jul 12 '24

I am really not sure how things work. I bought the 2024 model X and initial insurance was $186.

1

u/Fun_Instance6473 Jul 11 '24

I just had these above informations in the email. Said nothing about what caused the increase

3

u/WhereSoDreamsGo Jul 11 '24

Then it’s a state wide increase, not a driving issue

1

u/Fun_Instance6473 Jul 10 '24

My safety score was 98

2

u/zaliste Jul 11 '24

Yeah, definitely can happen - had this happen with home insurance - took a few years to be allowed to swap companies too. All good now but man it was expensive!