tivoboy
Active Member
okay, that is significant.Tesla insurance was a savior for me. Saved me about two grand off my yearly premium.
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okay, that is significant.Tesla insurance was a savior for me. Saved me about two grand off my yearly premium.
This is not the best route for anyone that lets a friend or spouse drive their Tesla without being on the policy. Coverage drops dramatically to pennies. $5000 property damage maximum, what a joke. I was seriously considering signing up but I'm glad you posted that link and brought this up.I signed up for the Tesla insurance for my brand new X right after the algorithm was "fixed". At the time, the Tesla insurance was about 10% better than what my broker was quoting.
I put off asking about covering my spouse until today. I was told on the phone (only way to add a spouse to the policy) that the premium would adjust with an increase of over 100% (more than double what I am paying for myself). Ouch.
But that said, the guy told me that if my wife only drove the car once or twice a month then she'd be covered no problem. This sounded a little suspect to me, so I sent my policy to my broker who does all my other vehicles/home. She referred me to page 31 (see highlight). This seems to indicate that *if* my wife drives the vehicle, the covered limits drop significantly.
Looking for a sanity check from someone more knowledgeable than me on insurance. Seems that if you want to look at apples-to-apples with a second driver correctly added to the policy then the seemingly really good rate quoted on the Tesla site isn't so good.
Anyone want to help me think this through better and/or confirm my suspicion that for my case (me + spouse) maybe this isn't the best route?
Thanks in advance.
I just bit.
A few pieces of additional info:
- You basically get a policy document and proof of insurance card.
- The only way to access to your policy on the site is to click "get a quote" on tesla.com/insurance lol....
thx for the heads up... time to renew that AAA membership... :-/
With AAA, I was in and out in 5 minutes on car transfer to one of my kids. If AAA did driver's licenses in California (like they do in other states) I would never again darken a DMV door.
Not only that, but it's required to be filed electronically by every insurance carrier. Tesla didn't know that? Existing billionaires are really too disconnected from reality. I'm not saying to take their money, but we can't allow them to write anti-competition laws and regulations; we need to eliminate all regulations and laws besides theft laws and start over (maybe even the theft laws and let the common law courts figure it out).Wow. Last I check most of the DMV around me has appointments out like 2 or 3 months out because of the real ID deadline next year. I didn't even know DMV registration requires proof of insurance. I hope your registration expiration is still a few months out.
Depends where you go. My branch is often a 2 minute wait.Well said !!! Even with an appointment, waiting at DMV to get the new California "Real ID" was a wait...
Depends where you go. My branch is often a 2 minute wait.
I don't want everyone rushing in there.Nice !! Can I ask where your local branch is ?
Wow, is that actually legal? I can understand if the adjuster(s) are still finalizing details but if the claim is negotiated I can't imagine waitlisting/repair-deferment to be permissible by any reasonable consumer protection laws.They then told me that subscribers of Tesla insurance get priority on repair. My host pointed out an X in the parking lot that wasn't going in for another month due to a different insurance. I didn't complain.
Thanks for posting your experience and sorry to hear about your accident so soon into ownership. It’s helpful to hear details on how the claims processing is being handled since Tesla insurance is such a new product with very little information available on it.
That is good news. OP ... how was Tesla Re: rates vs. other insurers?