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Model 3 P in Vancouver: How much do you pay for insurance?
- Thread starter samcvan
- Start date
You probably want to list out your coverage as this affects your premiums greatly.
- Excess Liability in addition to ICBC $200,000: $2,800,000
- Collision or Upset Deductible: $300
- Comprehensive Deductible: $200
- Excess Underinsured Motorist Protection: $1,000,000
- Limited Windshield Coverage
- Autocomfort (Loss of use, Rental automobile and Travel Protection)
- Replacement Value
- Windshield Repair Endorsement 13R
My Coverage (all ICBC):
- 43% Discount
- Rate Class 023 (drive to work less than 15km)
- 10 Year Experience Driver discount
- $300 Deductible (Collision and Comprehensive)
- $2 Million 3rd Party Liability
- Road Star Package ($25/year)
- Custom License Plate ($45/year)
- Replacement Cost insurance through Aviva
Total per year: $2,553
Keeping in mind this rate was locked in back in October, 2018. ICBC rates have/will go up by the time I renew.
Just curious, how do you find the app? I was afraid that it would flag the acceleration as bad driving and cause a rate increase.
I had a quote for Belaire for 900, 2 million liability, 1000 collision deductable, 500 comprehensive, no replacement.
I didn't like the app idea so I went with bcaa who quoted 1150. But when I went to bcaa they found additional discounts (ev, experienced driver, joining bcaa, adding our other ev vehicle). It got the cost down to the belaire quote.
Edit * the quotes were for a SR+
I hate the app. Always reporting hard acceleration and hard braking. I did none of those. sometimes I feel AP got me into trouble - sudden acceleration + phantom braking.
I will probably go to BCAA and see what they can offer... how does it work switching to a different company? I just paid my Belair (yearly). Do I call and cancel?
By the way, I don’t feel comfortable without replacement though... did they not have replacement or did you not choose it?
I will probably go to BCAA and see what they can offer... how does it work switching to a different company? I just paid my Belair (yearly). Do I call and cancel?
By the way, I don’t feel comfortable without replacement though... did they not have replacement or did you not choose it?
I would expect you could cancel anytime and get a pro rated refund, but I've never dealt with Belaire before.
And yes I'm pretty sure they offer replacement. I didn't look into it much though as I wasn't interested.
Beyond the acceleration and braking, they also track the times you drive. You are penalized for driving between 2 am and 5 am. For my job, I often end my shift in those hours..... the was no way of escaping the "bad driving" penalties.... also, they consider answering a phone call while using the cars bluetooth dangerous.
Your quote above includes replacement insurance of $850 total. My replacement insurance is done through Aviva which I paid a lump sum to cover me for 5 years.
@Funkmobile I see. but still. your quote is ~1550 cheaper. Even without that 850 replacement, yours is still 700 cheaper... I wonder why? Like my quote above is for AWD only, and yours is for performance which I assume should be much more expensive to insure... is your car listed on the insurance paper as "75D AWD" too? I asked the ICBC guy and their computer didn't show any P variant for model 3.
It did show P100D for model s.
It did show P100D for model s.
They might have changed the classifications for the 2019 model year. My insurance papers just list my car as:
Make: Tesla
Model: 3
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