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Insane insurance difference between 85 and P85D

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I just got a quote from Wawnesa. Nationwide was cheaper by a few $100.

One thing to keep in mind is what your insurance company will pay if you wreck your car. Most insurance companies, not all, will only pay standard shop rates around $50 an hour. Tesla certified shops normally charge around $125.

I made sure to talk to my local Tesla repair shop to find which company pays without a battle. Geico and Nationwide do.....Farmers, Allstate, State Farm and Esurance do not.....you have to pay the difference.
After a class on insurance law and bad faith non-payment, I have a personal rule: never buy insurance from a company with "state" or "farm" in its name. :)