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I know it’s only available in California.
My question is; Is it cheaper than the insurance you had before you switched to Tesla?
How satisfied are you?
For me, Tesla insurance was significantly more expensive than my current insurance (Wawanesa). However, insurance is one of those things that is really hard to compare apples to apples. So, I believe it’s still a good thing for people to check Tesla when looking for insurance.I know it’s only available in California.
My question is;
Is it cheaper than the insurance you had before you switched to Tesla?
How satisfied are you?
TOTALLY DEPENDS ON WHERE YOU LIVE & COMMUTE..
LOOK AT UNINSURED MOTORIST SECTION.
Sorry i had to caps that to you as i showed the policy to a friend and she laughed saying you want this in Los Angeles?
Its a joke of a policy with close to nothing for uninsured.
Coverage is also too small.
But i live in a city where probably more then 20% of the motorist are uninsured.
California in general has a 14.7%
California ranks 13th in uninsured drivers | Asatryan Law
So NO...
You want that uninsured motorist section to be quite beefy, and not so gimpy in the likelyhood u do get hit by an uninsured. (in Los Angeles, or Any other Major Metro, Always ASSUME the other guy has no insurane until you see a card with effective dates.)
Tesla Insurance also has a ridiculously high deductible.
So you pay out a lot if your at fault, and you get paid almost nothing if the other person has no insurance.
:T
Ummm, no, this is not the type of insurance you get for a car with a price tag in or near the 6 digit mark.
Well, if you only drive in rich area's where people drive bentlys and other exotics, then i guess its acceptable as well as those will most likely all be heavily insured.
Bodily Injury $1,000,000/$1,000,000
Property Damage $1,000,000
Medical Payment $50,000
Uninsured Motorist Bodily Injury $1,000,000/$1,000,000
Uninsured Motorist Property Damage $3,500
So you pay out a lot if your at fault, and you get paid almost nothing if the other person has no insurance.
My Tesla quote is still $12/month more than my Farmers rate. I will stick with Farmers and the benefit of our umbrella policy.
I checked almost 7-8 insurance companies and Costco Ameriprise came back no quote for the coverage, Their max coverage was lower than Tesla and they did not have coverage for 1M. I have been with farmers for over 10 years and still have all others vehicles still covered under them except for the Tesla.Costco's Ameriprise Insurance and it came back about the same as Tesla Insurance quote
Not sure how you got your Farmers rate so cheap. I am with Farmers for 10 years with 6 cars, 2 houses, and an umbrella policy to boot. Tesla Insurance on just the 2 Tesla's is $1500 cheaper a year than Farmer's 2 Tesla with the discount. I have no accidents in the last 10 years. So then I went to get a quote from Costco's Ameriprise Insurance and it came back about the same as Tesla Insurance quote. I really hate to switch out of Farmers because the agent was my dad's friend. But it is $1500 a year with the same coverage. I just switch out the 2 Tesla's and left the homes/other cars/umbrella with him. The rates went up a little and extra $30 charge for the umbrella because my Tesla's are covered under another company.
Are you sure the Tesla coverage is the same? I had to increase every option from Tesla to match our 1M coverage from Farmers. I am paying $200/month from Farmers and Tesla quoted $212/month.
I think you may not be interpreting Tesla's policy correctly. They give you the max for Uninsured Motorist Coverage, according to Automobile Insurance Information Guide:
"Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. The limit is $3,500. This only pays if the uninsured driver is identified. You may not need it if you have collision coverage."
The rest you can max out, like this:
Bodily Injury $1,000,000/$1,000,000
Property Damage $1,000,000
Medical Payment $50,000
Uninsured Motorist Bodily Injury $1,000,000/$1,000,000
Uninsured Motorist Property Damage $3,500