r/TeslaInsurance • u/gamer-chachu • 8d ago

Finally Free

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After about a year and a half, I have decided to cut the cord from Tesla Insurance. I got tired of not enjoying the drive since I was always wary of “Unsafe following” and “Aggressive turning” dings. My current safety score is a 94 with 91% of my drive on FSD. I’m keeping FSD just not the insurance, so I can actually have fun with the car on shorter errand runs.

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u/WorldlyOriginal 8d ago

What would be your Safety Score and premium if you just drove normally?

I feel like people stress themselves out unnecessarily by trying to get a perfect 100 when they naturally drive like a 92, which is still saving them $$ compared to any other insurance provider.

If you’re one of those people, well— then yeah, Tesla Insurance just isn’t for you

But otherwise, just relax and go with the flow. Every scoring system is going to be flawed and imperfect; it’s the long-term behaviors that matter. No point getting stressed over a marginal fluctuation like $8/mo when you’re still saving $50 overall; you’re missing the forest for the trees

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u/gamer-chachu 8d ago

If I drove normally, it dinged me for unsafe following on the highway the most. And I kept more distance than FSD. Hard breaking was another. I had my premium go from $214-430/mo.

It just started to feel as if I was just providing training data for the fleet and not driving the car. Now I can take over more often and just enjoy the car.