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I have a quote from Travelers for $1400/yr, $1000 deduct., P90DL in AZ.
I got my quote from farmers today, they want to jack my rate up to $2500/6 months from about $900. Progressive quote has me down to about $600. Goodbye farmers.
In an email exchange with my agent he was totally cool. Just ordered his own 90D so he can completely empathize with me! I'm jealous, I only got the 60D.
Yep. USAA is beating every other quote I get by THOUSANDS per year, although I have one wreck with injuries on my record, so most insurers hate me.
No, my third. My two other cars are $1400/yr for my wife and I as drivers. The P90DL will double my premiums.Single car?
No, my third. My two other cars are $1400/yr for my wife and I as drivers. The P90DL will double my premiums.
I live in Ventura county, California and pay about what you do errr did. I haven't checked on what my new rates will be but now you have me curious.FWIW, I got my 1-year renewal for my MS (not a "P") here in Northern San Diego County yesterday from State Farm. 14% increase from the last 6-months even with my $1K deductible -- primarily against the comprehensive/collission lines (for context, now totaling just under $1400/year.) I'm a zero-ticket/accident/claim kinda guy, and have been with them for 30 years, so enjoy a boatload of long-term and multi-policy discounts as well. I appreciate that where one lives is part of the factor insurance companies use to set rates, and it's why I hesitate to discuss absolute numbers on forums like this.
Called my agent yesterday asking if the big increase was something I had done, and to ensure I didn't have a "P" model coded in their system which I know would have increased the rate from doing "what if" quotes before I ordered my MS last Fall. The response was "the unfortunate increase is just a cost of doing business". I've since been on the competitive quote hunt this morning with 2 other companies, who were each 2-3X what I'll be paying with State Farm -- for the most part because I wouldn't have any of the long-term discounts with them. I looked at the line items and queried each agent as to why comprehensive/collision was so high. Beyond my long-term-customer discounts, both immediately made a comment to the effect of "Tesla's are very expensive to repair even for the most minor accident". I asked if their feeling was rates have been going up as more Tesla are on the road, and the one over the phone say "perhaps", the agent I saw in person gave me a quizzical look like "hummm - that could well be".
From comments in other threads, I can't disagree with the "expensive to repair" comments the agents made to me. From my limited data points, it would seem that as Insurance companies are gaining experience with MS, they are adjusting their rates to likely cover their costs and hedge their more informed bets, which is not for the good of we the Tesla owners. It makes me worried about long-term success of M3 if Tesla does not spend a little more time focused on after-sale cost to repair what is produced. Tesla owners like us today are one thing perhaps in our financial ability to own a MS, but with the entry-point M3 targeted at the masses, if costs to repair remain as significantly high, it will end up being a negative if M3 becomes "expensive to own" when insurance is taken into account. Wow. What an eye-opening couple of days for me.
Correction: I pay a lot more now.I live in Ventura county, California and pay about what you do errr did. I haven't checked on what my new rates will be but now you have me curious.
Thanks for the Costco/Ameriprise suggestion, I hadn't thought of them. I went with AAA because they were competitive with others at about $2k per year for two drivers in Southern California.When I called around, quotes ranged from near $1K to over $4K per year.
If I had had the presence of mind to domicile the car not near Los Angeles I could have cut the cost nearly in half but I wasn't that smart.
Replacement value policies through Chubb and Allstate were the highest.
Gap coverage varied across the board.
AAA was a joke. What they wanted for collision alone was double what the 4 cheapest policies were.
Without recommending any one of these over the other, consider:
Wawanesa
Geico
Liberty Mutual
Costco/Ameriprise especially if you have more than 1 chariot.
I don't know about Amica but I trust your opinion on them. I qualified for USAA and know they are the highest rated but even after deducting the anticipated year end rebate and other volume incentives, for me, they were on the higher end of pricing.If you are not military or a defense contractor or their families, you cannot get USAA. They are the highest rated auto insurance in the US. A very close second is Amica Mutual Insurance Company. As they are a mutual company, I receive rebates at the end of each insurance year for about 25% of what I paid in.
With multi-line discount for home, umbrella liability, and multi-vehicle auto, I currently pay about $1630 per year for my 2015 Model S P90DL in northern California. This is for 250/500/100 liability and 250/500 uninsured motorist coverage with $1,000 deductible. Amica lists my car officially as a "2015 TESLA PERFORMANCE 85 KWH AWD EL SEDAN." It is a low mileage quote of 8.000 miles per year, so take that into consideration. Remember, as above, I will receive about 25% of that number back in a rebate check at year end. Also, I have no tickets/points/accidents/claims in many, many years.
I have had Amica for over a decade. They are extremely reliable and have great service. See their ratings in Consumer Reports. It's not just about how much you pay. Terms and conditions of each company vary. It is difficult to compare exactly the same package of insurance.
Good luck everyone. Insurance is a difficult thing to manage under the best of circumstances.
Thanks for the Costco/Ameriprise suggestion, I hadn't thought of them. I went with AAA because they were competitive with others at about $2k per year for two drivers in Southern California.
You got me so excited there about the 25% rebate at the end of the year, as I had just gotten off the phone with Amica and they were higher than my quotes from Ameriprise through Costco and Mercury Insurance. I just called them back to inquire about the rebate program, and they said that they do offer rebates in some states, but they no longer offer rebates in California for automobile or homeowners insurance policies.A very close second is Amica Mutual Insurance Company. As they are a mutual company, I receive rebates at the end of each insurance year for about 25% of what I paid in.
With multi-line discount for home, umbrella liability, and multi-vehicle auto, I currently pay about $1630 per year for my 2015 Model S P90DL in northern California. This is for 250/500/100 liability and 250/500 uninsured motorist coverage with $1,000 deductible. Amica lists my car officially as a "2015 TESLA PERFORMANCE 85 KWH AWD EL SEDAN." It is a low mileage quote of 8.000 miles per year, so take that into consideration. Remember, as above, I will receive about 25% of that number back in a rebate check at year end. Also, I have no tickets/points/accidents/claims in many, many years.