tesla's insurance standards? are they using analytics to base your insurance cost? i know it's possible i just wasn't aware they actually do that. i considered tesla insurance and would save some, but this was one of the reasons why i didn't is that they may base my rate with analytics. not that i drive reckless but i'm more "flow of traffic" kind of person. honestly, these cars are too fun. driving to las vegas with the up hills, smiling ear to ear.
i do have state farm and it's not the most affordable though not the most expensive but we have it bundled with our home insurance so we get added discount. one of the biggest surprises i got was how affordable insurance is. not sure where you have your home insurance but see if you can bundle and get a discount. our M3LR and MYLR cost about $150 each/monthly, $500 deductible, coverage against people w/o insurance, car rental (i think up to $50 daily) - that's all i can remember off the top of my head. in comparison, my prius was$118 i think with the same coverage. this is in california though so it may seem higher (or not).
on a side not, says you're from chicago. we used to live there when i was a kid (jarvis & sheridan). i miss chicago.