Who Is Offering The Best Insurance Rates?

[Abigail78630]

I read an article about auto insurance here the Best Auto Insurance Policy which helps me to take insurance.

 

[bhzmark]

Tesla Owners Could See Insurance Rates Fall

Announcement: Car Insurance Discount for Tesla® Owners

In Ohio, discount for teslas with AP.

 

[Lifeguard(ret.)]

Does anyone have any experience with insurance by Metromile? My quote for my 2013 S was around $60/month, + 9.4 cents/mile. A savings of at least $700 over my current State Farm. Driving less than 5K miles/year since moving to CA. Wife insists she has to have an X now that she's the primary driver (I take a bus to work). Thinking of switching insurance at the same time. Are they reputable? Any claims handling experience? Thanks.

 

[SageBrush]

I insure with Amica, and was happy to find out that they offer a $5,000 deductible option on their Comp&Coll, that I have elected for my new Prius Prime plug-in.

So it works out this way (all cars with 1M/300k liability for people/property, and uninsured motorist)
$200 a year for the LEAF
$300 a year for the Prime with the above mentioned additional C&C

 

[tchockie]

been with mercury for a while. here's my policy:

BI: 250/500k
PD: 250k
UMBI: 100/300k
Medical: 5k
$1000 deductible (only one they offer)

Premium: $800/6months

 

[whttiger25]

Progressive is great for me. I have a $102k sticker 90D, and 1 year in, I'm at $773 / 6mo for

100/300/50
100/300 UM
$1k deductibles

Also getting Home insurance bundled with them, which includes a discount. Seems comparable to the Mercury quote above although the tchockie seems to be getting a much better BI/PD coverage. However, I just went to the Mercury website, and they don't even have Tesla on the list of vehicles to choose from and it didn't recognize my VIN....so I suspect you would have to call to get a quote.

 

[Viking1]

I use Ameriprise through Costco and its $620 for 6 months. No accidents or tickets in 6 years. They easily beat everyones quote. Esurance, All State, Geico, ect.

2015 Tesla MODEL S
Liability coverages Limits Premium
Bodily Injury Limits. $100,000/$300,000. $163
Property Damage Limit. $100,000. Included
Medical expenses. $5,000. Included
Uninsured Motorist Bodily Injury Limits. $100,000/$300,000. $34.00

Uninsured Motorist Property Damage Limits. I accept. $5
Collision Coverage & Deductibles. $1,000 $318
Comprehensive Coverage & Deductibles$100. $87
Rental Reimbursement $30/$900 $13
Car coverage total: $620

Ameriprise was also the best quote I was able to find. Mine differs as follows.

2016 Tesla S 90D
15K miles/year
BI Limit 250/500
Collision/Comprehensive deductible $500.

$755/6 months.

 

[Viking1]

Just received my bill for the second 6 months. The cost went down from $755 to $675.

 

[GarrickS]

I changed to Geiko back in February because the rates were really good. Today I got mail from the DMV saying that I wasn't insured. Turns out, Geiko cancelled my insurance on all 3 of my cars back in March because one of the car's title is salvaged. WTF GEIKO! There was no communication whatsoever! We've been driving around for 2 months without any insurance!

I'm ****ing livid right now. They exposed me to hundreds of thousands of dollars of liability. I could have lost of my house! NEVER AGAIN GEIKO!

 

[lg_golfs]

I went from an Audi A5 to a 70D.

I was with AAA and they wanted 3x more insurance wise for the Tesla vs the Audi.

I qualify for USAA and if you do as well I highly recommend you look into them.

I am paying less for my Tesla with USAA than I was with my A5 with AAA. I also have double the coverage.

Also moved my home and earthquake to them once I was with them for a bit. Basically left AAA completely.

Has been incredible customer service. Even have a 0% no interest CC with them now as well.

 

[Lodo1000]

USAA is a great insurance company but not typically the cheapest rates. What I like about USAA beyond the excellent customer service is that they offer extremely high levels of coverage - beyond the usual 250/500. I pay $2400/yr for my new Tesla but with very high coverage limits.

 

[SageBrush]

I am a fan of high liability limits and then considerable self-insurance of my car.
Amica has been tremendous (and considerably better than USAA in rates, as good in customer service), but they require a clean driving record.

My $1M liability policy costs $15 - $20 a month for each of our LEAF and Prius Prime cars, and another $10 a month for Comp on the Prime with a $5,000 deductible. One of the nice things about buying *EVs is that the deductible is covered in the event of a total loss ;-)

 

[neptune2000]

I read an article about auto insurance here the Best Auto Insurance Policy which helps me to take insurance.

My wife is currently insured with GEICO on a 2012 HyundaI Elantra that we are selling to Carmax for $8500. The updated policy with GEICO replacing the Hyundai Elantra with the 2017 Model 3 resulted in an increase in premium of $25 / 6 months. FYI, my wife has an unblemished record with no accidents or claims.

 

[icanmakeit]

Are any of you tesla owners having any luck with a reasonable rates for tesla insurance in california? I'm shopping for A tesla and checked with my insurance company and was quoted at $4200 year for 2012 or 2013 model S. I have no moving violations been with AAA for over 15 years. have multiple cars and house on policy. I was not aware of the tesla being listed so high?
Any recommends ffrom california folks would be grateful.
cheers

 

[neptune2000]

AAA in California is dreadful. Twice as much as GEICO.

GEICO is the best. I am insuring a 2015 Model S P90D ($142K original purchase price) and a 2017 Model 3 ($60K purchase price, new) for $2,000 / year.

I have all possible discounts, and same coverage with AAA would be $4,000 / year.

To get the best quote, get all possible discounts:

Car Insurance Discounts And Reductions In Premium | GEICO®

 

[Viking1]

You might give Ameriprise a try, particularly if you are a Costco member ($50 discount).

A lot of factors come into play. I'm paying around $500 for 6 months for my 2016 MS 90D. 7,500 miles/yr. High coverage limits. No other cars/house on the policy.

 

[icanmakeit]

I’ve not heard of Ameriprise? Have you ever had to use them for anything?

 

[SageBrush]

I insure with Amica, and was happy to find out that they offer a $5,000 deductible option on their Comp&Coll, that I have elected for my new Prius Prime plug-in.

So it works out this way (all cars with 1M/300k liability for people/property, and uninsured motorist)
$200 a year for the LEAF
$300 a year for the Prime with the above mentioned additional C&C

Sorry, I have to correct an error:

The Prime has the additional Comp; no collision

 

[SageBrush]

I’ve not heard of Ameriprise? Have you ever had to use them for anything?

American Express when I used them, although check that things have not changed

VERY reputable, and fantastic customer service.
Just ignore all the follow-up junk mail inviting you to sit down with an Ameriprise financial advisor. They are the pits.
I figure that their car insurance business is a loss leader to sell you all the other garbage they offer.

 

[Viking1]

I’ve not heard of Ameriprise? Have you ever had to use them for anything?

Check with Costco if you are a member.

No claims with them. But I've had good experience with them on phone calls. They even asked me some questions to see if they could give me a better rate, which they did!