As an experiment I kept Allstate on my Tesla model 3 and have had Tesla insurance on my wife's model Y for about 2 years. Overall Tesla insurance has been cheaper than Allstate and when my wife had a rock go through her windshield they were very responsive. We paid for the repair and they reimbursed us within a week. However...I personally don't like the Big Brother feeling so I'll keep Allstate on my own car even though it costs a bit more. My wife drives like a grandmother so it's great for her.
For some crazy reasons, Tesla's quote for my 23Y is twice as much as what's being offered by State Farm. I do have multiple discounts with State Farm, but still Tesla's shouldn't be twice as much with the same coverage.
RIght off the bat, I think people are prematurely discounting Tesla. The rate of success is exponential or an S-curve. When they successfully implement FSD which will happen just a matter of time, the insurance should be completely reduced to what is proportional to the use of FSD. Ie. how can you raise the rate for someone who is completely reliant on YOUR system to drive? You see, this is the sychronicity of the genius of Tesla. They aim to completely electrify, digitalize, and sync all the systems together. So yes, it might have some issues for Tesla Insurance, but things will only get better. Tesla is not a stagnant company. The leader moves the company.
I hear you. I’m all for electrifying/syncing these systems, and as a Model Y owner, I’m rooting for Tesla to reach some new milestones and thrive. I think the bigger issue is Tesla’s AI systems feel very beta and are having a tough time adapting to infinitely perplexing and unpredictable human driving patterns. I tried FSD when Tesla gave us the free trial and it was a fun, but kind of awful experience imo (see my other videos about it). Tesla Insurance (which is in beta) is another example of their AI learning to evolve in realtime with the complexities of the road. It does pretty well overall, but when it fails, it is usually kind of dumb stuff, like what I talked about in my video. And then we, the users, get charged extra for the errors with no way to fix or change it? We’re paying for these services, giving them mountains of free data, yet the users get kinda screwed then their AI messes up. It’s a flawed system, and I hope it improves for everyone. I’m genuinely excited about all their AI tech, but tbh feels about 70% of the way there in my experience. It still has a long road to travel, but I hope it gets there 🤞🏼
A curfew 11pm to 4am is dumb, I work in a building that operates 24/7. hundreds of employees work between those hours. I just applied for a shift where I get in at 4am. I understand it is more potential risk, but it is also just too much control/surveyance over my life they want. Other than that, this app is way better than mine for Progressive. The rate is similar, I pay 133 a month for a Chevy trax rn.
Agreed, their system kinda screws night shift workers over tbh. I like to go to the gym after 10pm cuz it's less crowded, and I had to go earlier in the evening when it's jam packed cuz I didn't want to mess up my safety score lol. Def a 1st world problem but still v annoying
It's not personal. You're out late, more accidents happen late probably due to no fault of your own but the company still has to repair your car. It's all numbers and stats.
I'm considering leaving my Tesla insurance. We aren't comparable. When it's wrong it doesn't give me extra money. Always taking taking taking. It's close to being cool, but NOT.
Don't feel bad. Geico has one and it's garbage. My score was well over 100. For some reason they reset it all the way back to 89 when they changed my policy. Just an excuse to keep taking your rates up
What is the initial rate like, before you started driving your Tesla and generated Safety Score data? Was that rate competitive to begin with? Californians (where safety score is not factored in, per comments), do you find Tesla Insurance rates to be good/lower, competitive/around same as others or higher than others?
Yes, the forward collision warning needs to be improved. I have a turn near my house where I am often dinged depending on where cars are parked. Very frustrating.
Agreed! I have the same issue in neighborhood as well. I have to drive around the turn so carefully if someone is parked there. Sometimes I’ll drive all day with zero dings, then get to that one turn and get dinged cuz of a parked car at the turn and I swear I want to throw my phone into the lake lmao
I had the same issue. The errors in the AI that measures the score was too many! That’s a big deal when it affects how much you pay. I canceled at the end of my first 6 months. Now I drive with less stress and more freely. I have Allstate Drivewise and I have perfect driving records! Tesla’s Beta score should not be official or should at least have a mechanism to correct errors. Especially when it is affecting payment!
The forward collision AI is so annoying. Your incident in the parking lot is very similar to what happens to me as well. I would add that whenever there is someone walking on a sidewalk, I need to turn my wheels slightly away from that pedestrian, because my Tesla keeps thinking I’m about to run into them
Ugh yeah so annoying! So glad I canceled Tesla insurance tbh, no more worrying about the AI messing up constantly. Way less stressful driving my Y without it.
I think we all should be able to see the safety score beta. With or without being a Tesla Insurance customer. It could 1. People with natural high safety scores try the switch and 2. Keep us normal Drivers away lol
I also noticed “hard break” is almost anytime i touch the break instead of using regenerate breaking. They should make the dings less sensitive. Cool concept but yeah
Oh yeah, that was another annoying one for me too! I was dinged so many times for gently coming to a normal stop with light braking. The system is flawed 😭
@@b3naqua hey man yeah I got my Tesla yesterday and not even an hour into ownership someone who wasn’t paying attention totaled my car. I’m screwed as I didn’t see gap coverage as an option when using Tesla insurance.
ooof yeah after this experience, I don't think I could ever do a "pay based on how you drive" type of situation again 💀 not to mention the privacy/data concerns in these apps
my forward collision will constantly beep because a car a good distance ahead of me is making a right turn and not really in my path at all. or when I'm parking in a parking garage it thinks I'm going to crash in to a parked car for no reason. Tesla insurance ended up being a lot cheaper than other companies for my Tesla though.
With my 23 I got all kinds of bullshit FCW, for no reasons. I always felt it was a scam to make rates higher. That said it was about 30-40% cheaper than the other companies I quoted, around $70 per month. With my 24 M3P it is about half what other companies charged, $176 per month through Tesla.
I never opted for Tesla insurance because of Tesla safety score which I experienced when I was trying to get FSD beta before it had been released to every one. Tesla penalizes accelerating and apply brakes. Tesla expects every one to drive like a grand ma.
We turned off the Safety Score feature, as it kept indicating we are going to hit parked vehicles on narrow curved streets, well before we even approached… It even registered a couple of times, that we were going to hit a car, in front of the car, in front of us… 😳
oooof yeah that has happened to me so many times too 😭 what state are you in? In Texas, there was no way to turn safety score off a Tesla Insurance ugh
i like it but have the exact same issues you have with unsafe following I live in Marlyand but travel in DC and Virginia people cut right in front of you when you attempt to keep a safe distance. I have often wonder if honking my horn and activating the camera would be help the AI fix this issue.
Unfortunately I don’t think that would help AI learn how to score unsafe following better :( it doesn’t seem smart enough to realize when people cut us off, it’s not necessarily our fault and shouldn’t count that as unsafe following. It still does, ugh
@@b3naqua As I get older of course the safer I drive as well my career depends on it as CDL Class A license holder. I observe that this behavior gets worse in major metropolitan areas. I agree that its not smart enough but hope it could be, but then maybe AI would get out of hand I'm not sure.
🐻 I can understand the concerns with AI or the algorithm issues that are erroneous, but I think it makes sense to deduct points for things like people pulling in front of you or driving late at night. While they're not the driver's fault, it seems there exists a higher risk of an accident if people do risky things around you or when you drive at night.
Yeah the late night driving thing makes sense (to a degree). But tbh I experience way more awful driving & accidents around rush hour than late at night. I also wonder about people who work late, or are Uber drivers etc who get dinged for driving past the Tesla curfew. Late night driving, even for a few minutes, seems to severely ding the safety score.
@@b3naqua Good points. In the end I think it'll come down to whichever is cheaper with my regular driving. I haven't bought the Tesla yet, but you've given me a lot to consider.
I could see some Tesla owners preferring the simplicity of keeping every car related service in the Tesla ecosystem, including the insurance. Easier billing, less companies to juggle etc
Update: I canceled Tesla Insurance and found a much cheaper and better plan w a different company 👌🏼 RIP Safety Score lmao
which insurance did you go with? I can never find good rates for a Tesla
@@HolidayJZ I went with Costco's auto insurance. It was $60 cheaper per month, with no safety score bs lol
How much do you pay for Costco? I live in ca so no safety score for us here.
@@dis1pnoy for 2 cars thru Costco in TX, it’s about $180/month
If you live in Cali it doesn’t apply
I have Tesla Insurance and luckily for those of us living in California, we are NOT subject to Tesla's Safety Scoring!
Lucky!
Oh shit that's great to hear! I'm getting my Model Y this week and was wondering about reckless drivers fucking up my safety scoring🤣🤣
As an experiment I kept Allstate on my Tesla model 3 and have had Tesla insurance on my wife's model Y for about 2 years. Overall Tesla insurance has been cheaper than Allstate and when my wife had a rock go through her windshield they were very responsive. We paid for the repair and they reimbursed us within a week. However...I personally don't like the Big Brother feeling so I'll keep Allstate on my own car even though it costs a bit more. My wife drives like a grandmother so it's great for her.
Interesting!
For some crazy reasons, Tesla's quote for my 23Y is twice as much as what's being offered by State Farm. I do have multiple discounts with State Farm, but still Tesla's shouldn't be twice as much with the same coverage.
RIght off the bat, I think people are prematurely discounting Tesla. The rate of success is exponential or an S-curve. When they successfully implement FSD which will happen just a matter of time, the insurance should be completely reduced to what is proportional to the use of FSD.
Ie. how can you raise the rate for someone who is completely reliant on YOUR system to drive?
You see, this is the sychronicity of the genius of Tesla. They aim to completely electrify, digitalize, and sync all the systems together.
So yes, it might have some issues for Tesla Insurance, but things will only get better. Tesla is not a stagnant company. The leader moves the company.
I hear you. I’m all for electrifying/syncing these systems, and as a Model Y owner, I’m rooting for Tesla to reach some new milestones and thrive. I think the bigger issue is Tesla’s AI systems feel very beta and are having a tough time adapting to infinitely perplexing and unpredictable human driving patterns. I tried FSD when Tesla gave us the free trial and it was a fun, but kind of awful experience imo (see my other videos about it).
Tesla Insurance (which is in beta) is another example of their AI learning to evolve in realtime with the complexities of the road. It does pretty well overall, but when it fails, it is usually kind of dumb stuff, like what I talked about in my video. And then we, the users, get charged extra for the errors with no way to fix or change it? We’re paying for these services, giving them mountains of free data, yet the users get kinda screwed then their AI messes up. It’s a flawed system, and I hope it improves for everyone.
I’m genuinely excited about all their AI tech, but tbh feels about 70% of the way there in my experience. It still has a long road to travel, but I hope it gets there 🤞🏼
A curfew 11pm to 4am is dumb, I work in a building that operates 24/7. hundreds of employees work between those hours. I just applied for a shift where I get in at 4am. I understand it is more potential risk, but it is also just too much control/surveyance over my life they want.
Other than that, this app is way better than mine for Progressive. The rate is similar, I pay 133 a month for a Chevy trax rn.
Agreed, their system kinda screws night shift workers over tbh. I like to go to the gym after 10pm cuz it's less crowded, and I had to go earlier in the evening when it's jam packed cuz I didn't want to mess up my safety score lol. Def a 1st world problem but still v annoying
It's not personal. You're out late, more accidents happen late probably due to no fault of your own but the company still has to repair your car. It's all numbers and stats.
I'm considering leaving my Tesla insurance. We aren't comparable. When it's wrong it doesn't give me extra money. Always taking taking taking. It's close to being cool, but NOT.
Good point - we shouldn't get penalized when their system messes up, which it does a LOT ugh
Don't feel bad. Geico has one and it's garbage. My score was well over 100. For some reason they reset it all the way back to 89 when they changed my policy. Just an excuse to keep taking your rates up
What is the initial rate like, before you started driving your Tesla and generated Safety Score data? Was that rate competitive to begin with? Californians (where safety score is not factored in, per comments), do you find Tesla Insurance rates to be good/lower, competitive/around same as others or higher than others?
I'm probably going to sign up soon but in California where read we're not affected by safety score
Yes, the forward collision warning needs to be improved. I have a turn near my house where I am often dinged depending on where cars are parked. Very frustrating.
Agreed! I have the same issue in neighborhood as well. I have to drive around the turn so carefully if someone is parked there. Sometimes I’ll drive all day with zero dings, then get to that one turn and get dinged cuz of a parked car at the turn and I swear I want to throw my phone into the lake lmao
I had the same issue. The errors in the AI that measures the score was too many! That’s a big deal when it affects how much you pay. I canceled at the end of my first 6 months. Now I drive with less stress and more freely. I have Allstate Drivewise and I have perfect driving records!
Tesla’s Beta score should not be official or should at least have a mechanism to correct errors. Especially when it is affecting payment!
Exactly! Agreed 👏🏼
The forward collision AI is so annoying. Your incident in the parking lot is very similar to what happens to me as well. I would add that whenever there is someone walking on a sidewalk, I need to turn my wheels slightly away from that pedestrian, because my Tesla keeps thinking I’m about to run into them
Ugh yeah so annoying! So glad I canceled Tesla insurance tbh, no more worrying about the AI messing up constantly. Way less stressful driving my Y without it.
I think we all should be able to see the safety score beta. With or without being a Tesla Insurance customer. It could 1. People with natural high safety scores try the switch and 2. Keep us normal
Drivers away lol
lmao agreed
I also noticed “hard break” is almost anytime i touch the break instead of using regenerate breaking. They should make the dings less sensitive. Cool concept but yeah
Oh yeah, that was another annoying one for me too! I was dinged so many times for gently coming to a normal stop with light braking. The system is flawed 😭
Me too. I can't use the brake pedal.
@@patmcmahon7022 same. it's ridiculous lol
I tried I love it saves me money
🧸
🐻 good info....thanks
Hey can someone help me out , my insurance just disappeared from the app today. The safety score isn’t loading and insurance is no longer there …
What the…did you figure it out?
@@b3naqua hey man yeah I got my Tesla yesterday and not even an hour into ownership someone who wasn’t paying attention totaled my car. I’m screwed as I didn’t see gap coverage as an option when using Tesla insurance.
@@jaylonsiner9660 whatttt that sucks! Hope you figure out the situation soon, sounds rly frustrating
🐻
💯
For better or worse, I suspect this is the future for all auto insurance
Ugh I hope not lol
GEICO version is so bad too. 🐻🐻❄🧸🧔♀🧔♂
ooof yeah after this experience, I don't think I could ever do a "pay based on how you drive" type of situation again 💀 not to mention the privacy/data concerns in these apps
Yes Geico is driving app is terrible so unreliable also gives you BS alerts. Hard breaking and other untrue stuff
So, while if FSD (Full Self Driving) is in control do you still get dings?
Nope, when FSD and autopilot are engaged, the safety score is not affected
@@b3naquabullshit because I had auto pilot on and I still got dinged
@@purposeinabundance6063 the system is mad flawed tbh. Pretty sure that happened to me too a few times
my forward collision will constantly beep because a car a good distance ahead of me is making a right turn and not really in my path at all. or when I'm parking in a parking garage it thinks I'm going to crash in to a parked car for no reason. Tesla insurance ended up being a lot cheaper than other companies for my Tesla though.
Omg those same dings happen to me all the time too 😭
With my 23 I got all kinds of bullshit FCW, for no reasons. I always felt it was a scam to make rates higher. That said it was about 30-40% cheaper than the other companies I quoted, around $70 per month. With my 24 M3P it is about half what other companies charged, $176 per month through Tesla.
@@rockwallcares5084 yeah it seems like it’s decent rates w bs software lol
PLEASE AVOID TESLA INSURANCE. bad customer service
truth
I never opted for Tesla insurance because of Tesla safety score which I experienced when I was trying to get FSD beta before it had been released to every one. Tesla penalizes accelerating and apply brakes. Tesla expects every one to drive like a grand ma.
and even if you drive like a grandma, you still get dinged lol
Honestly would never use insurance that tracks you. Tesla or any of the others with the OBD plugs.
Yeah it's p creepy tbh
We turned off the Safety Score feature, as it kept indicating we are going to hit parked vehicles on narrow curved streets, well before we even approached…
It even registered a couple of times, that we were going to hit a car, in front of the car, in front of us…
😳
oooof yeah that has happened to me so many times too 😭 what state are you in? In Texas, there was no way to turn safety score off a Tesla Insurance ugh
i like it but have the exact same issues you have with unsafe following I live in Marlyand but travel in DC and Virginia people cut right in front of you when you attempt to keep a safe distance. I have often wonder if honking my horn and activating the camera would be help the AI fix this issue.
Unfortunately I don’t think that would help AI learn how to score unsafe following better :( it doesn’t seem smart enough to realize when people cut us off, it’s not necessarily our fault and shouldn’t count that as unsafe following. It still does, ugh
@@b3naqua As I get older of course the safer I drive as well my career depends on it as CDL Class A license holder. I observe that this behavior gets worse in major metropolitan areas. I agree that its not smart enough but hope it could be, but then maybe AI would get out of hand I'm not sure.
How does it rate your driving if on FSD? I'm on FSD 99% of the time.
FSD driving doesn’t affect safety score at all so you’d prob be ok!
Make/ Model/ Year….
Does it have RADAR | Ultrasonic Sensors…
🤔
🐻 I can understand the concerns with AI or the algorithm issues that are erroneous, but I think it makes sense to deduct points for things like people pulling in front of you or driving late at night. While they're not the driver's fault, it seems there exists a higher risk of an accident if people do risky things around you or when you drive at night.
Yeah the late night driving thing makes sense (to a degree). But tbh I experience way more awful driving & accidents around rush hour than late at night. I also wonder about people who work late, or are Uber drivers etc who get dinged for driving past the Tesla curfew. Late night driving, even for a few minutes, seems to severely ding the safety score.
@@b3naqua Good points. In the end I think it'll come down to whichever is cheaper with my regular driving. I haven't bought the Tesla yet, but you've given me a lot to consider.
My safety score is legit 3 I CANT BE THAT BAD OF A DRIVER??
Whattt 💀 what are your biggest dings?
@@b3naqua I think it’s cause I just got my Tesla and has only had a few drives to average out 💀
@@BevinBevin ah ok it'll prob improve over time!
im 25 and pay 1k a year for my 21 Volkswagen, so this is more expensive than i thought itd be
Teslas in general are more expensive than most popular car brands for insurance in my experience
@@b3naqua probably because of all the videos of random people keying teslas
Peanuts. You have it made. Especially at 25.
@yxmichaelxyyxmichaelxy3074 you think 1k a year on insurance is making it? Yikes, that's pretty depressing ngl
Forward collision warning is a scam.
yeah out of all the dings, I think that one is the most infuriating
Can you opt out of the safety score discounts?
No 😭
if you're in california, safety score discounts / incentives do not apply
@@mikeli1126 whoa, interesting. So it's just normal insurance in Cali? with no safety score
@@b3naquawould like an updated comment on this please, thanks!
@@Western.Confrence seems like in California safety score doesn't affect insurance premiums, or you can opt out of it
If it’s no cheaper than a competitor. I don’t see what the benefit is?
Because he hasn't had a claim yet Tesla can repair it far cheaper than non Tesla competitors can repair teslas
I could see some Tesla owners preferring the simplicity of keeping every car related service in the Tesla ecosystem, including the insurance. Easier billing, less companies to juggle etc