Hi All, In researching the most reasonable carriers for insurance for a new 2017 Tesla Model S in New York State, it came down (for me) to Geico and Ameriprise/Costco. Both come in about $1,500/year with max coverges (300/300/100) and $500ded. However, it seems when it comes to a totaled claim (God forbid), Geico will not rate the car at the purchase price but some fuzzy numbers south of the actual purchase price, potentially leaving new buyers with early unfortunate events on the hook for tens of thousands of dollars if they need to replace the car (or even just to make their financing company whole). I asked Geico if they offer gap insurance, and they said no. I asked if they offer any other type of replacement/agreed value insurance, and they said no. I've read that Ameriprise/Costco offers gap insurance for just a few dollars more a year (haven't asked directly yet, their offices are closed for the day). My question for those with experience in this area, if the premium for Geico or Ameriprise/Costco are comparable, is there a clear preference for one company over the other? Is the gap issue not an issue in New York state regardless of the company? BTW it seems from reading the forums that (some) Tesla owners have also been having to fight with Geico for genuine repairs at a Tesla facility, etc.. And there are many Ameriprise horror stories regarding having them pay decently on any claims as well -- just search Google. (PS all other carriers such as Allstate, liberty mutual, progressive, esurance, have all come in astronomically high (for me) sometimes as much as 200% higher -- must be a NY thing.) So based on all you collective experience, which company is preferred for least hassle experience claim-wise, Geico or Ameriprise/Costco? Thanks in advance. PS Does having an umbrella (like $1M) with the same company make any difference to the gap issue?