I own a Signature Model S P85 (2012) and am now awaiting production/delivery of a new Model S 90D. I'm getting a quote from my current insurance company and it looks like they are quoting me less expense to cover the new 90D than the existing 4 year old P85. Is that right? I've had an accident in the P85 maybe 2 years ago by now. Could that make a difference? All coverage amounts and deductibles are the same btwn the two cars. I just don't want to play a bait and switch game with the insurance company giving me an attractive quote and then telling me a month later that the rate is actually higher based on the car I purchased.