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Model Y insurance ..AAA?

Discussion in 'Model Y: Ordering, Production, Delivery' started by Prongs4life, Dec 27, 2020.

  1. Daks

    Daks Member

    Joined:
    Oct 21, 2020
    Messages:
    126
    Location:
    Anchorage, AK USA
    I'm jealous - Mine will be over $100 a month... But I have higher limits and $0 deductibles... Granted knocking them down and raising the deductible don't help that much.
     
  2. Krock65

    Krock65 Supporting Member

    Joined:
    Nov 21, 2020
    Messages:
    54
    Location:
    Ridgecrest, CA
    Just got quotes from AAA and Costco. AAA is $1768 per year. Costco’s carrier is $1368 per year. Tried to separate out just the MY component of what they quoted. In CA. Good driver, no infractions. They both included getting homeowners from them as well.
     
    • Like x 1
  3. Daks

    Daks Member

    Joined:
    Oct 21, 2020
    Messages:
    126
    Location:
    Anchorage, AK USA
    I'm no longer jealous... Although the $1368 will be close to what I'll pay for the MYP... In order to get that I have many lines of insurance with SF and I have had them for over 30 years now. I also have un/under insured motor vehicle property and injury insurance as part of my quote that way no matter what happens I should be covered. Should being the operative word.
     
  4. Krock65

    Krock65 Supporting Member

    Joined:
    Nov 21, 2020
    Messages:
    54
    Location:
    Ridgecrest, CA
    I'm not done looking. I've been with AAA for 19 years and I was petrified about a few people who said they were quoted several hundred dollars a month for their coverage. So, based on their quote today, I went ahead and added my MY to my policy to make sure I was covered. But it looks like there are better options now that I've added this blue beauty to my stable! I'll post what I end up with in case it helps anyone else.
     
  5. everydaychris

    everydaychris Member

    Joined:
    Feb 10, 2020
    Messages:
    363
    Location:
    CA
    nice

    maybe we should make the switch too. We've been AAA for a long time now I guess you pay for it with small discounts on hotels etc.
     
  6. geekfam

    geekfam Member

    Joined:
    Nov 12, 2020
    Messages:
    28
    Location:
    IL
    Quick post on AAA. We had them for over 25 years, added our Model 3 last fall. Price seemed high at $1700/yr for that one vehicle. We had a total of 4 cars, homeowners, and umbrella all with AAA. We paid that with AAA for 2 policy periods, but then with Covid shopped around. Switched to State Farm and saved a significant amount for same coverage on auto/home/umbrella. Savings of about 2,000 a year over AAA. We loved AAA, been accident/ticket free for 20 years, but could not justify that amount of difference. I talked to AAA about lower rates, and the agent looked up our policy and I noticed the Model 3 had a "red" color and it said something like "high value"...can't remember the exact words. Just wanted to add our experience. This is in Central Illinois.
     
    • Informative x 1
    • Like x 1
  7. bobby g

    bobby g Member

    Joined:
    Mar 13, 2020
    Messages:
    179
    Location:
    The Inland Empire :)
    Almost same. AAA card for 50+ years but bundle insured with liberty mutual. They dumped is for fire zone so went to State farm. Gave auto club a chance to quote - not even close - stayed with State farm even though when we had 2 claims (both fault free) they weren't on our side.
     
    • Informative x 1
    • Like x 1
  8. Daks

    Daks Member

    Joined:
    Oct 21, 2020
    Messages:
    126
    Location:
    Anchorage, AK USA
    I got a HUGE surprise today when I got insurance for my MY Performance... $73 a month... 250/500/100 coverage, $0 comp, and $250 collision deductibles...
     
    • Like x 1
  9. airbrett

    airbrett Member

    Joined:
    Feb 12, 2020
    Messages:
    118
    Location:
    San Francisco, CA
    USAA was the lowest by $400-$800 per year among all the quotes we got (Geico, Progressive, Liberty Mutual) here in CA. They have great customer service like AAA. Of course you need to qualify for membership.
     
    • Like x 1
  10. Krock65

    Krock65 Supporting Member

    Joined:
    Nov 21, 2020
    Messages:
    54
    Location:
    Ridgecrest, CA
    Wow! Where did you find that!?
     
  11. Gy2020

    Gy2020 Member

    Joined:
    Dec 3, 2020
    Messages:
    18
    Location:
    Menifee,CA
    I have GEICO for all of my insurance, when I removed my ICE and added MY, my insurance increased about $150 every six months. I am paying about $25 more a month over my ICE car, full discourse i have been with GEICO for 20 years. With all of the discounts it was the best deal for me.
     
  12. Wallstgrl

    Wallstgrl Member

    Joined:
    Oct 20, 2020
    Messages:
    17
    Location:
    Huntington, NY
    Try Wawanesa out of San Diego. The have great insurance rates for CA residents
     
    • Like x 1
  13. mark95476

    mark95476 Member

    Joined:
    Jun 21, 2020
    Messages:
    725
    Location:
    Bay Area CA
    Data-point for Tesla Insurance w/ high-coverage (250k/500k):

    - Originally ~$107/month
    - Renewed ~$108/month
     
  14. LADude23

    LADude23 Member

    Joined:
    Feb 8, 2021
    Messages:
    20
    Location:
    Los Angeles, CA USA
    I talked to AAA back in October and they said to get back to them when I had a VIN #.

    I live in Los Angeles, so all insurance is expensive. They quoted me over $6,000 a year. I think not. This is after nearly 30 years with them plus homeowners.

    Going to check out Tesla's insurance as soon as that option pops up on my account on the website.
     
  15. MikeHolliday

    MikeHolliday Member

    Joined:
    May 9, 2020
    Messages:
    300
    Location:
    Worthington, Ohio
    I am now in my second policy period with my Model Y and Progressive made no change to the premium...
     
  16. acarney

    acarney Active Member

    Joined:
    Jul 9, 2019
    Messages:
    2,313
    Location:
    Richland, WA
    I like to hear that! My renewal should be coming up in the next month or so and I was worried of a huge increase like many others were reporting (though I never had the crazy low initial quote that most of them mentioned.)

    Crossing my fingers it's a reasonable increase, or about the same since my personal status hasn't changed.
     
  17. tibook

    tibook Member

    Joined:
    Feb 6, 2021
    Messages:
    76
    Location:
    VA
    My model Y is a third car on a two driver policy and currently at $707/yr with the typical 100/300, rental, oem windshield replacement, those kind of goodies. Guess it is pretty in line. I figured since its a a perfect 5 start safety car these would be fairly cheap to insure...
     
  18. my808

    my808 Member

    Joined:
    Feb 19, 2021
    Messages:
    25
    Location:
    Kohala Coast, Big Island, Hawaii
    I use All State (in Hawaii) It's $681 every 6 months for my MY.
     
  19. Spalding

    Spalding Member

    Joined:
    Nov 27, 2018
    Messages:
    47
    Location:
    Los Angeles

    I had AAA for 25 years over multiple BMWs until I got my 3. They nearly doubled my rate (also in Los Angeles), explaining that the car was listed as an "exotic" on their risk schedule. Geico and Wawanesa were the best of the rates I got from other insurers. I ended up with Geico.
     
  20. everydaychris

    everydaychris Member

    Joined:
    Feb 10, 2020
    Messages:
    363
    Location:
    CA
    Same
    we have home, auto, life, and it was pretty expensive with a MY lol. waiting for tesla as well
     

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