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StateFarm doesn't know about the 90D?

Discussion in 'Model X' started by Trnsl8r, Dec 16, 2016.

  1. Trnsl8r

    Trnsl8r S85 since 12/8/12, X90 since 12/20/16

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    Hi all,

    About to bring home the X 90D and working on getting insurance. Turns out my VIN indicates to StateFarm it's a 75D. When I tried to correct them, the (detail challenged) agent quoted me on the P90D. After some back and forth, she assured me that in their systems the Model X only comes in two "body styles", 75D and P90D.

    Anyone else have this problem?

    (As a journalist may have written: a call for comment from my DS was not immediately returned.)
     
    • Informative x 1
  2. jelloslug

    jelloslug Active Member

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    They don't have my Model S 60D either.
     
  3. Trnsl8r

    Trnsl8r S85 since 12/8/12, X90 since 12/20/16

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    Just found out from the DS that some models share the same VIN numbering system, for example when they software upgrade battery capacity, so that's why the insurance company can't tell the difference from the VIN.
     
  4. vandacca

    vandacca ReActive Member

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    #4 vandacca, Dec 16, 2016
    Last edited: Dec 16, 2016
    The battery size is not encoded in the VIN, so there is no way for an insurance company to tell the difference between a 75D or 90D from the VIN alone. From my experience, they use a combination of VIN and the price to determine the rates.

    ---edited: removed "P90D" from "difference" list
     
    • Informative x 2
  5. LastGas

    LastGas Member

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    State Farm didn't have a 2016 Model S 60, but my agent got them to add it.
     
  6. Trnsl8r

    Trnsl8r S85 since 12/8/12, X90 since 12/20/16

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    Well, per your link, they can distinguish between standard and performance in digit 8, but otherwise I guess they're on their own.
     
    • Like x 1
  7. Pandamoanium

    Pandamoanium Member

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    I had that issue. Then when they got it right they quoted me an absurd amount. Went to progressive and the amount I pay annual with progressive, is less than 6 months State Farm.
     
  8. gearchruncher

    gearchruncher Member

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    Why do they even care? You can option a 75D to be more than a 90D. My insurance place just wanted to know the VIN and the price I paid. That's logically what they need to know in order to determine risk. I guess unless they are actually evaluating the 90D as a higher crash risk than a 75D because of the slight speed increase?
     
  9. Jrogville

    Jrogville Member

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    What concerns me (I also have State Farm, although haven't added the X to it yet) is that if they categorize it as a "P" as in performance, then they can add a premium for it being like a 'Muscle' car.
     
  10. Scmbug

    Scmbug Member

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    I added an X with our State Farm rep back in July, and they didn't have any problems with it being a 90D. The 75D's were just starting to come out at the time, but if they had it once, it seems like it should still be in the system somewhere.
     
    • Like x 1
  11. Trnsl8r

    Trnsl8r S85 since 12/8/12, X90 since 12/20/16

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    My only issue with it was that the insurance card stated it to be a 75D, when in fact it's a 90D. Not sure if that would make a difference for a future claim, but wanted to play it safe. I talked to branch owner and gave him a copy of the purchase agreement, which he used as proof to corporate that there is such a model. He also stated that Tesla isn't as cooperative in sharing different model info, but that could be hearsay. In the end, my insurance card shows the right model now.
     
  12. Finder

    Finder Member

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    I added mine as well with State Farm (via an after hours agent on the phone) and they had no problem selecting a 90D.

    Shows up as this on my insurance card:
    2016 TESLA MODEL X ELECTRI 90D
     
    • Like x 1
  13. Dead

    Dead Member

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    I was able to get quotes for 75D, 90D, and P90D.
     
  14. K-MTG

    K-MTG Sunshade Captain of TMC

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    My insurance says 70D on the card, I have a 90D. Should I be concerned?
     
  15. Trnsl8r

    Trnsl8r S85 since 12/8/12, X90 since 12/20/16

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    I would take the trouble to at least give them a call. If you total the car, will they reimburse you a 70D or 90D?
     
  16. travwill

    travwill Active Member

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    I'd make sure your insurance reflects the correct model:

    1. If it is reflecting higher then its reflecting more performance (a bit) and you may be paying extra. It would also be reflecting more base cost.

    2. If it is reflecting lower, then you need to even more I'd say to ensure they know the true value of the car and correct model. Thus, if the car is wrecked of even totaled, you don't want them initially finding similar market value of a lesser model to give any replacement value on - or you could see yourself arguing with them in the future to correct.
     
  17. carlshome

    carlshome Member

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    I took delivery of my MX 90D on March 23, 2016. I called State Farm on that day and they did not have the Model X in their system yet. However they understood the car existed and gave me insurance without a problem. I'm looking at my invoice from State Farm now and it states, "Model: Model X EV." Also, I didn't find the insurance cost out of line for a $111,000 vehicle.
     
  18. DrComputer

    DrComputer Member

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    StateFarm just calls my P90DL a "2016 TESLA MODEL X EV SPORT WG"
     

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