My insurance went DOWN with AAA when I bought my Model Y. I went from a 2018 Lexus IS to the Tesla, and my yearly premium dropped. I was expecting it to go higher.
Wow, that is a good break for you. My wife went from our Lexus to a SRMY and the insurance rate (Liberty Mutual) for the MY was more than double the cost of insuring three cars with three drivers. She was rear ended in 2018 but was found 100% not at fault and has a speeding ticket from 2019 (her first ticket in over 15 years). I thought it was a mistake because my rates would have been similar to what my co-worker pays for his insurance and his wife has two at fault accidents (both in one year) and he has a DUI with a totalled car (car rolled over several times) from that incident. His wife drive a Jetta and he has an Infiniti G37.
So we ended up going with Tesla insurance just for the MY. It is still much more than what we were paying for when my wife was driving her Lexus but is cheaper than LM. Not sure why it seems like insurance does not like the combination of my wife being in an EV car. If Tesla did not offer lower rates than these crazy insurance companies, we would not have completed the purchase of the MY. It seems pretty obvious Tesla knows if they don't offer insurance to offset the nutty premium costs of traditional insurance companies, they would lose a large portion of buyers who could not justify paying ridiculous insurance premiums.