Ok, so back to value of FSD:
Suppose Tesla insurance charges some per-mile premium when driving manually, and a significantly less per-mile premium while driving on FSD.
Safety statistics could, in the not-too-distant future, support a situation where the insurance savings alone could pay for most of the $99/month FSD subscription cost.
If the net result due to insurance savings is that the true cost of FSD to a consumer is only say $10 or 20/month, what would the take rate be? I would wager it would be extremely high.
And if statistics bear out that insurance payouts are extremely low for drivers on FSD, that becomes nearly pure profit for Tesla, on a recurring basis, for the forseeable future. I would switch to Tesla insurance immediately.
That may be the piece of the FSD affordability puzzle that is currently missing.
We are close to the point where this can realistically occur, and Tesla has the means to see when that point gets hit and already has the mechanism to make it happen via FSD. And it doesn’t even require full autonomy.
Tesla should highlight this on the earnings call. With data to back it up. I don’t think analysts have considered it.