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Speaking of wind tunnel testing; I wouldn't be surprised if Franz's spoiler is, and actually reduces drag - Franz von Holzhausen’s custom Model 3 Tesla
Check out Liberty Mutual and State Farm. They both have GAP, and for me (35,m,married), the insurance from liberty on my p85+ is only $100 more a year (with GAP) than it was for a Nissan Leaf (no GAP). Of course, ymmv.