This thread about potential insurance costs for a Tesla started making me nervous, even though my wife and I have fairly clean records and no claims on either homeowners and auto with our current insurer - AMICA.
Contemplating a Model S acquisition in November or December (I'm still playing around with Design Studio), I don't need to cover the car now but really need to know what it might cost. I have yet to contact AMICA but I was able to get an online quote using GEICO's web site. So for covering three cars for six months, here's what I got:
Bodily Injury Liability - $500,000/$500,000 - $275
Property Damage Liability - $100,000 - $196
Uninsured/Underinsured Motorist - $500,000/$500,000 - $132
Comprehensive - 2016 Tesla S 60 - $200 deductible - $163
Comprehensive - 2006 Lexus LS 430 - $50 deductible - $87
Comprehensive - 2013 Toyota Prius - $50 deductible - $66
Collision - 2016 Tesla S 60 - $1,000 deductible - $256
Collision - 2006 Lexus LS 430 - $1,000 deductible - $105
Collision - 2013 Toyota Prius - $1,000 deductible - $108
$1,388 every six months total. I ran the quote declining everything else, including medical as my wife and I have pretty good medical insurance. We don't need towing as we have AAA Premier coverage. We don't need rental coverage as we would have three cars and no children as drivers in the household.
I know nothing about how good GEICO is when you need them, so that would be a concern. Then again, I've never had to use AMICA in the 10+ years I've been with them, so I can't say they're good or bad either. Will call AMICA on Monday to see what they say.