Anybody, particularly in Washington State, have any positive or negative experiences, advice, etc. regarding insurance, insurers or particular agents vis-a-vis insuring a Tesla Roadster?
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Anybody, particularly in Washington State, have any positive or negative experiences, advice, etc. regarding insurance, insurers or particular agents vis-a-vis insuring a Tesla Roadster?
A search for "insurance" turned up this thread. But no replies. Are Roadster owners getting their cars insured for comp and collision? If so, what companies are providing insurance? Or are they going with only liability insurance?
I hope very soon to be taking delivery of a conversion EV, and while I have liability insurance on it, my insurance agent was unable to provide comp and collision due to the unknown costs that could be incurred in the event of an accident. I asked about getting comp and collision insurance that would cover only the conventional parts if I were to accept responsibility on the drive train, and she told me that all insurance policies have to be approved by the state insurance commissioner, so that she cannot just write a custom policy.
What experience are folks having regarding insurance on these cars?
Thanks.
Daniel
State Farm: Both comp and collision for my car.
AAA here, comp and collision (State Farm was competitive, though). Not too much more/yr than the 911 (pleasant surprise).
“A Testerossa you say?”… “Road Star, is it an off-road vehicle?”… “No problem sir, just that we can only cover you for 3,000 miles a year!” and of course the perennial fav. “Let me get back to you…click…brrrrrrr” – Just some of the bizarre responses to the basic “I’d like to add a Tesla Roadster to my policy.”
The good news is the State Farm said “Let me find out…” followed up by “I promised I’d call you in twenty minutes but we need to do some more research; just letting you know” followed up by “I have some good news, we can cover you fully comp and more than likely improve on your home and car insurance as a whole”.
Credit where it’s due, Louis Castiglia of Jean DiGrande State Farm did all the leg work and presented me with a better home and car policy than my current set up, then added the roadster for reasonable money. An hour later and we’re all set.
Louis also took the time to explain the details of auto insurance in NJ to me, a brit with little to no grasp of the whole US auto biz, so thanks.
If you’re in the area and need cover:
Louis Castiglia of Jean DiGrande - State Farm
560 Mountain Avenue, Gillette, NJ 07933.
+1-908-647-4262 State Farm Agent Jean DiGrande
It might be helpful if roadster owners listed who they use for insurance and whether they're satisfied. Especially those who have had to file claims.
Listing the prices paid would also help us be competitive shoppers and perhaps garner a discount if we threaten to switch.
Funny story: When I called Progressive the rep on the phone didn't know what a Tesla was and said it wasn't in their computer system. She tried working with her supervisor, had me on hold for ten minutes, but ultimately gave up. And this from the sponsors of the auto-X prize!
And my roadster is insured with Progressive
Security National, Toronto. Pretty good pricing.
I'm with Geico. They paid for a very expensive repair after I stuffed my then one month old Roadster into a fence. No complaints!
If you don't feel comfortable posting your rates, please consider sending them to me in a personal message. I could then compile the rates and present them anonymously, in aggregate.
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