Want to buy a Model 3, insurance is crazy expensive

[focher]

Yall are pathetic.

It's "y'all". Better learn your grammar!

 

[calidreamz808]

Hello,

So I'm 25, never had a car before (I'm not American, but I live in California right now) and want to buy a Model 3.

I tried a few quotes online and I'm seeing some crazy numbers, $300/month minimum and I'm seeing some go to $700 (ameriprise).

Does anyone know how I could get this lowered down? Is there any way to negotiate? Would Tesla insurance offer me a better rate? I'm working remote (not just because of the situation, my work is remote), so I wouldn't drive it that much (if that matters).

Did you get a quote from Tesla Insurance since you live in Cali? My monthly payment is under 100$ per month with Tesla Insurance.

 

[aparajita]

Hello,

So I'm 25, never had a car before (I'm not American, but I live in California right now) and want to buy a Model 3.

I tried a few quotes online and I'm seeing some crazy numbers, $300/month minimum and I'm seeing some go to $700 (ameriprise).

Does anyone know how I could get this lowered down? Is there any way to negotiate? Would Tesla insurance offer me a better rate? I'm working remote (not just because of the situation, my work is remote), so I wouldn't drive it that much (if that matters).

If you're in CA, you definitely want to get insurance from Tesla. If you work at home and don't drive much, you should consider Metromile. They charge a low flat rate and then per mile (you plug a dongle into the car).

 

[TomT]

About $345 for six months here with a similar record and coverage with State Farm.

As a point of reference, I'm 63, married for many years, driving for over 45 years and have 3 cars on my policy (2011 Nissan Murano, 2018 Honda Ridgeline), I'm paying $1047 for 6 months with Allstate for the Model 3.