Hey folks, anyone with experience insuring an EV or a conversion. Just curious about general experiences with rates and such. When I get my Model S I'll likely be one of the only USAA insured Tesla owners and wouldn't expect them to have standard rates determined for the Model S. They almost assuredly won't have crash test ratings either. So how is my insurance rate determined? Is there some formula they use for non-conventional/production vehicles? On a side note, what are people paying to insure the Roadster vs similar conventional 2 seater sport cars?