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Car insurance

Discussion in 'Model X' started by Ferrett, Mar 25, 2016.

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  1. Slappy32

    Slappy32 Member

    Joined:
    Jan 21, 2016
    Messages:
    37
    Location:
    Key Largo
    Florida Farm Bureau quoted me an additional $614/yr to replace our 2015 Honda Odyssey with a loaded 90D. If you haven't ever looked at Farm Bureau Insurance, it's fantastic. It's not Farmer's Insurance on TV. Each state would have it's own version.
     
  2. Brandon332

    Brandon332 Member

    Joined:
    Apr 4, 2016
    Messages:
    385
    Location:
    USA
    Go Esurance. I shopped around and it was almost half the cost for my cars. Esurance costs $1800 a year total for BOTH our 2015 Dodge Challenger and Jeep Grand Cherokee. Covers whole family, 2 kids 21- included.
     
  3. pdxrajiv

    pdxrajiv Member

    Joined:
    Sep 8, 2015
    Messages:
    203
    Location:
    Portland, OR
    $600 for 6 months on GEICO. Two adult drivers with decent driving records.
    I hear scare stories from some people about outrageous insurance quotes for Model S. I don't know what is going on. Maybe some people are seen as higher risk when they are behind a powerful, fun to drive sports sedan.
     
  4. drayers

    drayers Member

    Joined:
    Aug 13, 2013
    Messages:
    23
    Location:
    Los Angeles
    Allied/Nationwide $4700/12 month; accident with old Model S and point. Need to shop around, but not sure if I'll get better than that.
     
  5. WarrenInCA

    WarrenInCA Member

    Joined:
    Oct 4, 2014
    Messages:
    94
    Location:
    Scotts Valley, CA
    I'm with AAA. The following is for 1 year:


    Bodily Injury
    500,000 person
    500,000 accident $103.00

    Property Damage
    100,000 accident $95.00

    Uninsured Motorist - Bodily Injury
    500,000 person
    500,000 accident $12.00

    Underinsured Motorist - Bodily Injury
    500,000 person
    500,000 accident $26.00

    Medical Payments
    5,000 person $26.00

    Comprehensive (Less Deductible)
    100 $78.00

    Collision (Less Deductible)
    500 $325.00

    Enhanced Transportation Expense
    25 per day
    750 maximum $28.00

    All Risk Coverage
    No Coverage

    Premium for 2014 Tesla Model S : $693.00
     
  6. paintpolisher

    paintpolisher Banned

    Joined:
    May 13, 2014
    Messages:
    177
    Location:
    Atlanta, GA
    Was $350/6 months for our S85, will be $675 for the same on our 90D when it arrives. USAA
     
    • Like x 1
  7. heytae

    heytae Member

    Joined:
    Mar 9, 2015
    Messages:
    51
    Location:
    Cupertino, CA
    After calling some of the top 5 nationwide insurance carriers, the best I was able to get was $89/month for an annual contract with $250k/$500k/$100 coverage on a nearly-fully-loaded 2016 Model X P90DL. This is with $500 and $1k deductibles for comprehensive and collision respectively for zip code 95014 (Cupertino, CA) from Hartford Insurance. The next best quote was for $102/month for a 6 month contract from Geico. The highest quote I got was for $200/month for a 6 month contract from Allstate! YMMV and this was all researched the week of this post.

    It took a few hours to get all of the quotes so I hope this helps someone. Good luck!

    PS: Hartford won't let me "post-date" the start of my policy for when my MX arrives next month (June '16), but it's not a biggie since I'm already in their system.
     
  8. loganintx

    loganintx Member

    Joined:
    Mar 8, 2016
    Messages:
    606
    Location:
    Austin, TX
    From what I've seen, if you can get < $100/month that seems like a good deal. The further north of $100/month you go, the less good the deal is.
     
  9. SoccerMan94043

    Joined:
    Apr 14, 2016
    Messages:
    267
    Location:
    San Jose
    I have Amica too and ran the numbers... they seem to be about 500.00 over everyone else (at least here in California).
     
  10. beths11

    beths11 THE LONG RANGER

    Joined:
    Apr 30, 2013
    Messages:
    593
    Location:
    Molalla, OR
    AMICA is a Mutual company (or at least they used to be), that means you get a dividend check back from them.
     
  11. dwebb66

    dwebb66 Member

    Joined:
    May 11, 2014
    Messages:
    349
    Location:
    Ladera Ranch, CA
    Except in California, they stopped doing that maybe 15 or 20 years ago here.
     
    • Informative x 1
  12. X-Man

    X-Man Member

    Joined:
    Mar 10, 2016
    Messages:
    25
    Location:
    Oakland, CA
    Wow both of you still got a better quote than me from amica.

    I have a homeowners policy with them and my 4Runner. I'm going to sell the 4Runner and have a single car. Great driving record, single, longtime customer due to their customer support...and still got quoted $3400/yr w/ a 1k deductible! $4100 with a 500 deductible. I find it hard to believe that Oakland/Bay Area would make it that much more expensive. Progressive gave me ~$2100/yr, but I'm still hearing people getting ~1000/yr with the same coverage.

    Any other Bay Area people have better luck? I did post a question on the Facebook club as well, but checking this spot out as well...
     
  13. SR-71

    SR-71 Member

    Joined:
    Apr 7, 2016
    Messages:
    5
    Location:
    NC
    I just ran across this thread... Wow! I'm one of the many that stood in line on March 31st to put down my $1k deposit (thinking it was going to make a difference with the eventual delivery date que). I was surprised to hear how high the insurance rates are, many higher than I'm paying for my new Corvette ($580/yr). Hopefully the Model 3 insurance rates will fair better. I'll definitely be checking with my insurance company (USAA) before making a final decision to complete my Model 3 order. I keep running the comparison numbers between a Model 3 and purchasing another Prius, for our run-around-town vehicle. If I'm quoted a high insurance rate for my Model 3 it will certainly will take a bite out of my Tesla enthusiasm.
     
  14. madodel

    madodel X at the end of a rainbow

    Joined:
    Apr 6, 2015
    Messages:
    1,592
    Location:
    Poconos, NE Pennsylvania, United States
    These are quotes for the Model X which is a much higher cost car than the Model3 (the X starts at about $80k) so I would hope the M3 is lower insurance cost when it finally arrives. One of the things I looked for in insurance was full replacement value coverage, which AAA included for the first year. Not sure what I will do after the year is up.
     
  15. llngoc

    llngoc Member

    Joined:
    May 25, 2014
    Messages:
    291
    Location:
    Bay Area
    This is incredibly low! A few of the insurance companies actually won't insure my Model S when I was shopping around last year as it was considered an exotic due to the aluminum construction. It is probably 3-4x more expensive to fix any bodywork with the Tesla compares to the Odyssey. (I know because we needed some minor repairs and every time the bill completely shocked me and probably my insurance company too.)
     
  16. Aljohn

    Aljohn Member

    Joined:
    Oct 17, 2014
    Messages:
    840
    Location:
    Georgia
    My original quote from the Hartford was $16/month more than my vintage 2007 Audi Q7 -- or $657 a year (correct). The final amount was actually less by a few bucks. So no change in my insurance by getting the X. I am amazed at the difference by Geo. My three cars are $1997 a YEAR -- 2013 Toyota Avalon, 2012 Fisker Karma and the 2016 Model X P90D. It appears there are a lot of variables to make up a rate depending on driving history, ages of drivers, location, miles to and from work, and vehicles.
    The extremes bare out how individual rates vary.
     
  17. Softwizard

    Softwizard Member

    Joined:
    Feb 19, 2014
    Messages:
    134
    Location:
    Keller, TX
    I also live in the suburbs of Dallas, with a perfect driving record for wife and I, and am paying $1006/6 months on my MX-90D
     
  18. sams123

    sams123 New Member

    Joined:
    Jun 3, 2016
    Messages:
    4
    Location:
    MD
    I am picking up my Model X on 6/10. Got the Insurance from Liberty Mutual with GAP insurance costing me 1064/year after clubing my two other cars. Just for Tesla they quoted 134/month with GAP insurance with my credit union discount
     
  19. digicool

    digicool Member

    Joined:
    Sep 23, 2014
    Messages:
    124
    Location:
    Seattle
    Yea I had esurance since 2012 until they told me they don't insure Model X in the state of WA. I switched to progressive, with the new customer and other discounts I paid $792/6 months for my X and the 2015 Leaf SL. I expect this price to go up at renewal because there wont be the new customer discount.
     
  20. MarkoC

    MarkoC Member

    Joined:
    Nov 11, 2013
    Messages:
    111
    Location:
    Minneapolis, MN
    I just got quoted $461.00 for six months for a 75D with State Farm. I'm currently paying $292 for my 2008 Highlander Hybrid Limited. I'm pretty happy with that price given the numbers some people are posting.
     

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