Full disclosure, as my handle on the forum indicates I am an insurance agent. I am independent and primarily write our business with Erie Insurance. My agency has insured several Tesla's. Everything from an S 60 to an S P90D with Ludicrous. My X90 is the first X we have insured and I am at just under $900 a year using a value of $115k. That $900 a year includes a coverage that is similar to lease/loan gap but provides a new replacement vehicle if a total loss occurs in the first 24 months (cost $180 a year but worth every penny). I don't get any special consideration with the rates I pay (State regulations don't allow that). Insurance policies are not created equally and some of the companies I have seen referenced on here make me fear for you guys. Be very cautious with some of the companies out there. A few of these companies could be a huge headache for you, especially on a total loss. You need a company or agent that knows what a Tesla is and how to properly value the vehicle for rating purposes. This is especially true if you have purchased one of the performance models.
