Model 3 Insurance Rates - What Do You Pay?

[david_42]

Ran a quote on USAA, replacing our Kia with the Model 3 would only add $50/six months, all under collision. But I've been with USAA since 1972 and haven't had a claim since 1973. $510 for the Sprinter and Model 3. This reflects over $480 in various discounts.

 

[Syclone]

Located in Indiana: Quoted $698 per year from Safeco for the Model 3 first production. Same coverage on my 2013 Model S 85 is $899.

 

[Akikiki]

Forced to have it repaired in Tesla certified auto body shops? I don't get it? You want Earl Scheib's working on your Tesla? What's wrong with it done at a Tesla certified body shop? You do understand that if its Tesla certified, its Tesla saying they know what they are doing and are expected/suppose to do it right. Its for your protection, not punishment.

 

[⚡️ELECTROMAN⚡️]

Forced to have it repaired in Tesla certified auto body shops? I don't get it? You want Earl Scheib's working on your Tesla? What's wrong with it done at a Tesla certified body shop? You do understand that if its Tesla certified, its Tesla saying they know what they are doing and are expected/suppose to do it right. Its for your protection, not punishment.

Watching the only two certified shops in the Portland area price gouge with double the labor rate to work on a Tesla, left a bad taste in my mouth. In my case they didn’t even do any aluminum manipulation. They replaced a door for one incident and the other time they replaced a bumper cover. Both incedences cost over double what an average shop would have charged. Last time I looked there is now a third certified shop. I hope they have some decent customer service skills and some morals.

 

[Akikiki]

How do you know it was double what another non-certified shop would charge? I mean, if you did take it to another shop to get an estimate, why didn't you let the non-C shop do the work? Are you a body shop repair estimator by trade. I don't want to pay higher prices either. I don't want to be gouged either. But unless you have specific facts i.e. estimates from non-C and receipts what someone else paid, its quite unfair to group everything together because your gut says its more.

 

[⚡️ELECTROMAN⚡️]

How do you know it was double what another non-certified shop would charge? I mean, if you did take it to another shop to get an estimate, why didn't you let the non-C shop do the work? Are you a body shop repair estimator by trade. I don't want to pay higher prices either. I don't want to be gouged either. But unless you have specific facts i.e. estimates from non-C and receipts what someone else paid, its quite unfair to group everything together because your gut says its more.

For the door replacement, the non-certified shop's estimate was $1906. The certified shop replaced it for $4,641. The bumper cover replacement cost $2286. I didn't get a second estimate for the bumper, but I think bumper covers normally cost around $1,000 to replace. Tesla says that using a non-certified shop can void your warranty. I'm not a body shop repair estimator by trade.

 

[icanmakeit]

I've had Ameriprise (Costco affiliated) for awhile. I am the sole driver of 3 cars (2013 P85, 2017 Model 3, and a very rarely driven 2000 Honda Odyssey for hauling stuff). The total premium for all 3 cars for 6 months is $931, with the P85 coming in at $388 and the Model 3 coming in at $356 for 6 months...

Hey how is Amerirpise insurance?

 

[RandyS]

I had one claim with them on a previous car, and they were fine. They also paid to repair a couple of rock chips in my windshields on two separate occasions with no issue as well...I would say they are great...

 

[Dexterryu]

I just checked my rate with Progressive, who I have now even though I'm far down the list. At the moment it would add about $15/month over my 2007 Xterra and about $30 if I kept both, which I may since it's nice having an big SUV around.