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Is Insure My Tesla gone?

Discussion in 'Model 3' started by ponzu, Jul 31, 2018.

  1. ponzu

    ponzu Member

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    It is, isn't it? Existing links land on Customer and Product Support | Tesla Support

    Are Liberty Mutual rates still good?

    What insurance is everyone getting now? There is a ton of threads but none seem current and they are fragmented.

    I had a good quote from Liberty in April on three cars including the upcoming Model 3. The deadline for accepting the quote came and went as the Model 3 was delayed until July. Not sure if I will still get these rates.
     
  2. Shygar

    Shygar Member

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    Maybe this is a result of this question?

    Elon Musk on Twitter
     
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  3. Meros

    Meros Member

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    I found that Liberty Mutual was expensive also. I had a Model S insured with State Farm. Once we purchased our Model 3, I got quotes from State Farm, Progressive, Liberty Mutual, and Geico. Progressive was hands down cheaper ($650 every 6 mo to ensure both Teslas with full coverage). State Farm and Liberty were closer to $1700 every 6 mo (to insure both cars). This is in Colorado and maxed out liability coverage (to qualify for umbrella policy). Also includes discount for having homeowners insurance.
     
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  4. ponzu

    ponzu Member

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    Progressive is not bad, thank you, but if the April quote from Liberty holds, they will be better than Progressive by $124/year. Progressive is better than my current 21st Century by $240/year. In all, these are all within margin of error. No one is wildly high or low.

    21st Century quote will get considerably better if I decide to get rid of my 2007 Passat Wagon. For some reason, they don't know how to discount a 2 driver-3 car situation.
     
  5. Shygar

    Shygar Member

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    I have State Farm. I tried Liberty Mutual years ago before I owned a Tesla. They were a better quote initially, but after 6 months my rates went up more than I thought they should and I had zero accidents, tickets, etc that would affect it. I went to State Farm after that and my rates have been steady.
     
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  6. Wubbles

    Wubbles Member

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    I'm paying $1351 per year through Travelers in NJ for 100/300/100 coverage, $1500 deductible. This is with a minor 0 point traffic violation on my record.

    Liberty Mutual was the most expensive at $2000. Amerprise wanted $1800 for the year.
     
  7. SMAlset

    SMAlset Active Member

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    I wouldn't be surprised if they didn't get pulled by Tesla although I would have thought someone would have been checking on them off an on. When ever I hear their commercials on tv I cringe.--They have someone complaining that their new car got totalled and their non-LM insurance company wouldn't pay for a new car. Well they can't drive a half of car! But with LM you can get new car replacement. -- The driver in the commercial never says whether their policy had that included. I always felt that the other company probably offered it too but of course you have to add that to your policy just like glass replacement etc. You will never get New Car Replacement for free. If LM automatically adds that to all their policies, when people get quotes are you comparing apples to apples?
     
  8. ponzu

    ponzu Member

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    I ended up going with Liberty. Not only did their April quote (from the Insure My Tesla days) hold, it went down by $15 once the VIN was plugged in. $1,942 for a year for two drivers, three cars. $1000 deductible, perfect record.
     
  9. ponzu

    ponzu Member

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    What does it say?
     
  10. devilmountain

    devilmountain Member

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    I have AAA and I pay 1560 per year for the M3. No points on my record and I have my home insurance through them.
     
  11. ponzu

    ponzu Member

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    One car one driver?

    AAA were by far the most expensive for me. Something approaching $3000/year. I almost threw the phone in the garbage bin in disgust.
     
  12. brianman

    brianman Burrito Founder

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    Last time I checked, the New Car Replacement with Traveler's was the highest duration so I've gone with them for Model S:
    New Car Replacement | Travelers Insurance

    I think the fine print said it caps at $125k, which isn't enough for loaded S but should be plenty for any flavor of 3.
     
  13. tashtibet

    tashtibet Member

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    I used to have Allstate-my model 3 was quoted $182.00 per month-called all the major insurance companies and found little better than Allstate. Finally, called AMICA and very pleased since then-$60 P/M.
     
  14. TaoJones

    TaoJones Beyond Driven

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    It may not be gone, but it (Fiberty Screwtual) wasn't at all competitive. I've cycled through Geico, Costco/Ameriprise, Wawanesa and Progressive for Tesla coverage. I like Progressive's gap insurance and CSL. But soon I won't care about gap insurance and it's time to shop around again anyway. The process is rather like spinning a Mystery Wheel. No idea where I'll end up next.
     
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  15. ebmcs03

    ebmcs03 Active Member

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    Insure my tesla was 3x more expensive than Geico. Worthless
     
  16. Shygar

    Shygar Member

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    Click on it and find out :)
     
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  17. Red5StandingBy

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    Same experience here. Finally got tired of it and went elsewhere. Rates went down by $80 month instantly. No rate hikes like LM since.
     
  18. ponzu

    ponzu Member

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    If they try anything with me, I can fall back on Progressive. If I sell the third car, I can go back to 21st. It was only the third car that made things awkward with them. Two drivers two cars they could handle, even with Model 3, nothing egregious.
     
  19. ponzu

    ponzu Member

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    upload_2018-8-1_10-52-1.png
    Something dirty, I bet.
     
  20. Shygar

    Shygar Member

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    It's just twitter, so I guess your company doesn't allow you to access twitter. upload_2018-8-1_10-57-1.png
     

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