I just got a few quotes for my P85. The company that gave me the best deal quoted me very low $500s semiannually with $2000 deductible & high $700s for $250 deductible. It's my first time buying a new car, so not sure whether a low or high deductible is more advantageous for a new car, of if it even matters at all. I can easily cover the deductible ( I actually asked for a much higher deductible but they said $2000 is as high as they'll go). Pros of a high deductible is of course almost a $500 savings annually in premiums. Cons would be everything out of pocket if any small damage occurred. Pros of a low deductible is almost any damage will be covered by insurance (except anything <$250, which is rare these days, esp for an expensive car like Tesla). Cons would be the money I loose on the premium. I'm leaning toward the high deductible, but wanted to get everyone's thoughts to see if I missed thinking about anything, and see what everyone else did, insurance wise. Any thoughts / comments appreciated. Thanks.