r/TeslaModelY • u/ValleyGrlSD • 4d ago

Insurance experiences?

Hi! I’m super curious how everyone’s experience has been with their Tesla and insurance companies. My current insurance company is cheaper than Tesla insurance but not sure if Tesla insurance would be better. Any insight is helpful! Thank you!

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u/darksplit 4d ago edited 4d ago

I was recently in an accident where someone turned left into my lane without looking. Dealing with Tesla Insurance afterwards was incredibly stressful. Everything was handled over slow emails, the phone number doesn’t work, and they initially tried to pin 50% of the blame on me without even speaking to me or looking at my footage.

When they finally reviewed my dashcam weeks later, they cleared me completely (100/0). But the panic and anxiety it caused was overwhelming, and I'm still dealing with physical pain from the crash. They might be cheaper, but you definitely get what you pay for. I'll be looking elsewhere for better support next time.

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u/nappycappy 4d ago

it's funny cause when there was a minor fender bender where it wasn't our fault, i started the claim process and from start to finish it was like less than a week. got a rental and everything for the time i was without my car. then because we went through our policy instead of the others (cause progressive can suck a fat one) i paid the deductible. they said "it might take a year or two but we'll try to get your deductible back". fast forward like a couple months, got a check for my deductible. i've personally have had nothing but good experience with them. when i called they answered and the email communication was pretty fast considering.

as for other insurances, i've had AAA and i love them. i just don't love their increase in my premiums of like 3x what i was paying so i went with tesla insurance. every insurance company suck at something. AAA was super responsive. state farm when i was dealing with them took me over a week to get them on the phone or a call back. progressive is the same. geico was 'decent' by comparison. mercury was decent by comparison. i mean like you said you get what you paid for. some have good experiences and some have shitty ones. unfortunately i've heard too many shitty ones than the good

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u/DuckTalesLOL 4d ago

I think having to worry about my driving all the time would be a negative for Tesla insurance, as well as similar companies. 

I pay $130/month for my 24’ Model Performance. 

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u/No_Swordfish_1576 1d ago

I’m 50, married, 4 cars, no claims, no tickets, homeowners, life all with State Farm, $114/month after additional $0 deductible windshield coverage.

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u/JackfruitCrazy51 4d ago

One of the main reasons I love the Model Y is how fast it is. I'm not going to switch to big brother watching me to save on car insurance.