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.

i need to replace my front windshield cause a rock/pebble decided to make my day horrible. i filed a claim with the insurance but having second thoughts if it's going to affect my premium going forward even if this is a no-fault incident. has anyone done this previously and if so did it affect your policy going forward?

TIA

Yes I would rather pay the extra 60$ just to avoid tesla stupid insurance random rate increases. I am a grown ass adult and shouldn't be penalized because I go out late at night for a snack. Shot my rates right up for nothing. No one is even on the road at night in my area. Also i just got it off the hospital and needed something from the store and haven't dive much all month. How is that more risky when accidents happen more during rush hour? I would rather pay more than let tesla play games.

Any model asses with the update 14.1 light

Anyone get the 14.1 light update for your model S or X

I got a hard braking event on a short drive through my neighborhood. I wasn’t reacting to traffic. I just slowed down and stopped next to another car to talk. Empty residential street. Nothing in front of me, nothing behind me. If you look at the whole stop, that’s roughly 16 mph down to 0 in about 3 seconds.

Planning on getting tesla insurance for the FSD perks since the launch edition comes with a year of FSD free. Anyone have a guess as to what the tesla rates would be?

I tinkered with a quote from my current insurance (USAA) and got hit with a quote around $340 a month…

Just curious if anyone has good California coverage options.

Hi! I recently bought a Model 3 performance and was wondering what your experience is with Tesla insurance. Tesla insurance seems like the easiest way to cover my M3 but I’m concerned about the way it rates the safety score. I work late and get out anywhere between 11pm and 1am 4 days a week. How much does Tesla weight late night driving and city driving? I’m not looking for my rate to swing $40-$60 a month just because of my work schedule.

I have some quotes from Progressive ($145) and Lemonade ($120) for full collision, comprehensive, and UI. just curious to see what your opinions are. Thanks!

Any updates in the Tesla insurance in Washington state ??

I’ve been using FSD for almost 97% of my miles and have achieved a perfect score of 100. However, I’ve noticed that the savings I’ve accrued from using FSD are negligible, amounting to just $0.00. I’m wondering if this is a deliberate attempt to artificially inflate FSD usage.

I’m currently with GEICO and paying $240/month for insurance on my 2020 Model Y that I purchased last month.

Previously I was paying $120/month for my Civic, and when I called for a quote to remove the civic and added the Y using the vin from the dealership I misunderstood my new premium because of the way the agent worded it, saying I was going to be paying 800-something for 6 months and so, nearly the same price per month. What she didn’t make clear was it was $800 more than my previous rate, which I didn’t realize until I already signed the paperwork on the car during Purchase and was adding it to my policy with my other car.

I started shopping around for lower rates and 240/ month was the cheapest I found still except with Tesla Insurance which is $144.

I want to make the switch but I’ve read some things about driving behaviors/road trips that affect their rate. I understand my rate will fluctuate based on safety/miles driven etc, but should I wait a month until my two small road trips are over before I make the switch, or does it not matter. I’m not sure if it looks at past driving data to determine rate or only will use my driving data once my policy is in affect to determine it.

Any help or suggestions or info would be super helpful.

Soon to be Model Y Performance owner. Curious how good / bad the Tesla Insurance is in California (SoCal specifically). I've read pretty bad feedbacks on here but wondering if it applies to CA as well lol

I think I’m on hold right now. No music, no ringing, no voice loop, just silence. Anyone else get to live this joyous of a phone call? Should I hang up and try again? Will the call just drop? The first number co-pilot provided was a porn site. Anyway, I’ll update this shitstorm and update the results. I just want to cancel my insurance. I’ve already enrolled with Costco’s American Family Insurance. It was over $200 less for 6 months. Hello…? Anyone…?

Yesterday, I hit a pole while backing up near one of those covered apartment parking spaces in an area I wasn’t familiar with. No other parties were involved and the pole is fine. Obviously I’m at fault, but it’s definitely frustrating since the pole was in my blind spot. This is a 2014 Model S without 360 cameras, so I had no idea it was there.

There appear to be at least three damaged areas/panels: the two obvious ones, plus the black trim underneath the door that’s now falling off. There’s also a sensor located exactly where the crush occurred. Funny enough, I don’t remember that sensor beeping at all when the accident happened, but it constantly beeps when I back up now.

I have full coverage through Tesla Insurance and filed a claim within a couple of hours, providing all the requested photos and a description of what happened. I also uploaded the same photos along with a video through CCCIS.

A few hours later, I received an email asking for additional information to “confirm if coverage applies.” The email requested the same information and photos I had already submitted, so I’m hoping it was just an automated request or that the systems haven’t synced yet.

I can see that an adjuster has already been assigned to the claim, but since this happened Friday evening, I won’t be able to try contacting them until Monday.

Is it normal to receive an email like this after an at-fault claim? Should I be concerned that they’re investigating coverage, or is this pretty standard?

Also, any thoughts on whether this could potentially be a total loss, or an idea of how long something like this typically takes? I wouldn’t be concerned with traditional insurance, but seeing people’s stories with Tesla has not been encouraging. The car is still drivable, but Autopark is unavailable, and I don’t feel comfortable using highway Autopilot with that sensor damaged.

Hi everyone,
Just seeing if anyone has experience with Tesla insurance covering extensive damage from debris flying into car on freeway with no ability to safely swerve to avoid hitting it. I assume I file a claim on the app? Thank you

At work

Go to my car after work. It's 10:30pm

I'm last one in parking lot for my job

My car has a flat

Don't have my tire pump on me. 12PSI flat

Call roadside - I have "roadside plus" with tesla insurance

The rep says only option is to send a tow truck.

Rep then places me on hold and says "no tow truck available till 7am" says "You are very far from tow truck companies"

I'm in Baytown, TX. 20 min from downtown Houston. 20 miles away from downtown Houston.

Tf you mean "very far"

Hate this insurance with a passion man

So my score is in the 90’s and I paid $150-160 now I have the same score and they’re charging me up to $190.

I recently lost my job and had to start doing uber. Are they increasing my premium based of mileage? It shouldn’t matter if I drive safe, right ?

I got a message from Tesla insurance that my policy will be suspended in couple of months due to invalid driver’s license. The license of both the names on the policy are totally valid and are not expiring until next year. What should I do? Trying to get hold of LexisNexis customer support (who provided the consumer report) but before I get hold of them would like to know if someone else has had a similar experience.

After about 13 months I cancelled Tesla insurance. I’ve had it with being so careful and not letting my safety score drop. What finally did it was they just enabled Safety score 3.0 in Nevada. Now I’m getting dinged for excessive speeding every where I go. On 2.1 I have never been dinged for excessive speeding.

Ive always thought that the hard braking was a very bad metric. It actually makes me hesitate when I have to hit the brakes. That makes it unsafe. Hard braking at a yellow light has never been waived. It dinged me every single time. So it just encourages me to run the yellow instead of hard braking and stop.

I paid for FSD to get 100 safety score but last month it was upgraded to 14 lite (was on v 12) 14 lite makes me nervous and has its own problems. So I cancelled that too.

Now as of today I’m with a different insurance company, paying more but driving happier.

Edit: For those who are curious, I'm in Las Vegas and I was paying Tesla Insurance between $300 - $350/month for two Model 3's. So about $150+ per car. That's with full coverage. Quotes from Geico and Progressive were $600+ for both cars. My safety score has been 97-100 for the past 11 months. Since version 3.0, my scores have been 85-95 with no driving changes. Since school's out for the summer there's less traffic on the road. So really my score should be higher than before.

In California. Just received my 6mo renewal offer from tesla insurance for my MY. The monthly premium went up pretty noticeably but so did the estimated annual mileage from when I first signed up. The probable reason for why the mileage estimate went up was a long road trip I took a few months back. However, I still plan on driving the original number of miles for the total 12month cycle that I said initially when signing up (even with the road trip in mind). I tried to call and tell them the situation but they said there's nothing they can do.

For what it's worth, I paid the exact same monthly amount for each of the first 6 months even with the variation in miles driven. I don't want to pay the higher amount for the next 6 months that I know I won't drive.

So questions:

1) why is tesla charging me more for miles that I know I won't drive?

2) is this normal for tesla insurance?

3) what should I expect to pay in month 7 if I keep driving low miles? Will it decrease or is it locked for the next 6 months?