heysteveh
Member
Me too, and this high insurance factor was one of the main reasons I quit looking at used Model S's and bought a new Model 3
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M3 Auto Insurance - what are you paying?
- Thread starter AndrewH
- Start date
Me too, and this high insurance factor was one of the main reasons I quit looking at used Model S's and bought a new Model 3
lampcord
Member
One thing I figured out is that for whatever reason Progressive gives a discount for accident avoidance technology while for whatever reason Allstate does not appear to.
I had a Jeep Wrangler with Allstate. While I loved the Jeep, it's not exactly a safe or high tech car. It gets mediocre safety ratings and has a braking distance slightly better than a freight train so it is high risk for rear ending someone not to mention rollovers.
When I traded it in on a Mazda CX-5 which has much better safety ratings, much better accident avoidance tech (adaptive CC and forward collision warning and mitigation) and was comparably priced, I fully expected my insurance to go down. In fact, it went UP.
I switched to Progressive after getting a much better quote and saw that they were giving me a discount for the accident avoidance tech. So when I traded that in for a Model 3, even though it was a more expensive car, my insurance only went up slightly, once again because of the tech discount.
In fact, my Tesla only costs about $7 more over 6 months than my wife's Chrysler Pacifica which was much cheaper but has very limited tech.
I had a Jeep Wrangler with Allstate. While I loved the Jeep, it's not exactly a safe or high tech car. It gets mediocre safety ratings and has a braking distance slightly better than a freight train so it is high risk for rear ending someone not to mention rollovers.
When I traded it in on a Mazda CX-5 which has much better safety ratings, much better accident avoidance tech (adaptive CC and forward collision warning and mitigation) and was comparably priced, I fully expected my insurance to go down. In fact, it went UP.
I switched to Progressive after getting a much better quote and saw that they were giving me a discount for the accident avoidance tech. So when I traded that in for a Model 3, even though it was a more expensive car, my insurance only went up slightly, once again because of the tech discount.
In fact, my Tesla only costs about $7 more over 6 months than my wife's Chrysler Pacifica which was much cheaper but has very limited tech.
Rates in California is pretty bad in general. I have Metromile which worked out great when I didn't drive a lot, but with the Model 3 I'm raking up the miles and I should start shopping around.
I paid $95 for last month having driven 890 miles.
Bodily Injury: $250K/$500K
Property Damage: $100K
Uninsured/Underinsured Motorist Bodily Injury: $250K/$500K
Comprehensive deductible: 1K
Monthly base rate is $41 and 6.7cents per mile driven.
Northern Califonia
I paid $95 for last month having driven 890 miles.
Bodily Injury: $250K/$500K
Property Damage: $100K
Uninsured/Underinsured Motorist Bodily Injury: $250K/$500K
Comprehensive deductible: 1K
Monthly base rate is $41 and 6.7cents per mile driven.
Northern Califonia
I didn't see anything in the online quote about glass. I am betting i am not covered on glass. Thank you so much for this information. I will defiantly check with them on it.
lampcord
Member
Whereabouts in NJ? I’m in Morris and use State Farm:
Grand total: $452.46 for 6 months. Quite happy.
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