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Tesla Insurance Class Action Lawsuit

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Is anyone using Tesla Insurance? I thought about it and spoke to a fellow MYP owner who I met at the tint shop who stated he would put his MYP in track-mode on highways (and not actual tracks) and stated he would just drive around taking short trips to "reset" his ratings. The overall up-front pricing estimate is a joke compared to what I pay for so I decided to not even bother.

 
Actual premium they charge you is way higher than the estimated premium it shows in app up until day before they charge the premium.
INCORRECT. I paid a little over $150 for my first month and I'll pay the same for the second month. Even BEFORE the end of my first month, Tesla quoted me my third month premium of $86.53. That isn't going to change for the THIRD month. If my Safety Score decreases during my second month, my FOURTH month premium may increase.
 
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