Just in case it does help in some way, I added my insurance information today (even though I don't have a VIN yet). Interestingly, after I tried to upload a pdf of my current insurance card, I was presented with fields to fill in with the name of the insurance company, the policy number, and the expiration date. I filled those in, and the account page then said that my insurance step is complete. If I was buying from a dealer, they would call the insurance company to add the car to my policy. It will be interesting to see whether Tesla does that.