pvogel
Member
How much do you pay for your current car?
About 700/yr. 500000/1000000/500000 coverage, comprehensive. I bumped my deductible from 500 to 1000 when adding the X
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How much do you pay for your current car?
If you or your spouse are 55 (50?) or over, AARP has great rates. The best I've seen so far
Not 100% true as you can get just get the minimum at ICBC and get all your optional somewhere else. I saved almost 50% off the optional for the Model S that way.Where I live there is unfortunately no shopping around, we have government insurance for vehicles. Rate is reasonable though, just less than 2 grand / year. 3 mil liability and full replacement value
Just got my insurance on a fully loaded Founders X, $783 a year with Auto Owners 500K coverage, $500 ded
Their 'glass coverage' (Glass buyback) was another $46 / 6 months. So that covers windshield and you don't pay the deductible. Hmm. $1000/($46*2)=10.9 years so I said no.
According to this post, a Model X replacement windshield is currently $3,800. Would that change your math?I just talked to our MetLife Property and Casualty Insurance.
250/500 coverage $1000 deductible was $877 / 6 months
They could not look up the VIN but used the purchase price. They also said any amount over $100,000 needs to be manually reviewed by underwriting and I'll get a response within 5 days.
MetLife 'glass coverage' (Glass buyback) was another $46 / 6 months. So that covers windshield and you don't pay the deductible. Hmm. $1000/($46*2)=10.9 years so I said no but considered it.
Amica 'glass coverage' was another $246 / 12 months. $1000 / $246 = 4.06 years.
I have not replaced a windshield in any of our 3 vehicles in 20 years that I recall. I have had a chip fixed but insurance covered it without a deductible.Help me understand your calculation. I just replaced my second S windshield in the past 3 months, and they were $1,203.04. each, so I figured my X would be a no brainer.
Are you figuring that 1) the X windshield is cheaper than the S, and 2) you will not need to replace it more than once a decade?
My thought was/is that even if the windshield is $3,800 that I would only have to pay the $1,000 deductible.According to this post, a Model X replacement windshield is currently $3,800. Would that change your math?
Perhaps the big factors is the types of roads you drive on and if it is "common" to have flying debris. I may be doing more roadtrips in the X than I have in the past. I certainly have had rocks bounce off my windshield quite a few times but without chips or cracks. Maybe I was just lucky and my luck may run out.