I do not know how common this is but my insurance rates have declines by ~10% for each six month period since I bought my car in March 2015. The latest renewal (every six months in Florida) arrived this AM and was 9.6% less than the last one. Considering the discussion of insurability of Tesla I have not encountered similar stories, but I am certain there is nothing unusual about my experience. FWIW, a year or so ago a driver ran into me, causing no damage to my car. Progressive decided it was the other drivers fault, and mine was not damaged, but there is a police report. Still my insurance goes down. Do other people have similar happy tales? Also, I just compared with Geico for renewal, who quoted my 160% higher than Progressive. So much for "saving 15%"