One Year Later: Tesla Insurance Review!
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- Опубликовано: 16 май 2024
- This is my one-year review of Tesla Insurance, in Texas, on my 2017 Tesla Model S 75!
Videos mentioned in this video:
I Got My Tesla Back!!
• I Got My Tesla Back!!
Tesla Insurance Review (2023) | Flawed, But Promising
• Tesla Insurance Review...
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Resources:
drive.google.com/drive/folder...
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Here are my referral links, in case they are useful to you and you would like to support the channel:
Capital One SavorOne - 3% cash back on dining, entertainment, groceries, and streaming, no annual fee, no foreign transactions fees:
capital.one/3LWpbic
Capital One Venture X - my current travel card, replacing the Chase Sapphire Reserve
capital.one/3uDAx57
Chase Freedom Cards - some great no annual fee cards, all of which I have:
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Tesla:
ts.la/daniel64060
Hey Dan! I purchased my used Model 3 about 2 months ago and absolutely love it. I've had Tesla Insurance for that duration and I use FSD Supervised. I think my biggest problem with the Tesla Insurance is the forward collision warning. It seems way too random and sensitive. Sometimes I'll get really close to a car and it won't do anything, other times there's a car on the side of the road that I am nowhere near and it'll ding me. Whenever Forward Collision Warning does alert me, it doesn't just drop my score by a couple points, it drops the entire day down to like 50 or 60, I have to proactively drive the car around afterwards to get it back up. Also, the night driving thing, I wish it was pushed to 12am, while I understand the insurance reason, idk, seems a tad excessive to me. But yeah otherwise I like Tesla Insurance, it's by far the cheapest for me right now, but I don't like how the premium shifts so much.
I've been watching your channel for the last year or so, keep up the great work man.
Totally with you on the false forward collision warnings! I hope they get that fixed. I turned lff lane departure warning and seems to have helped but I'm not sure
Glad you've been enjoying the channel!!!
@@FrugalNotCheap Oh, thanks for the tip, will try it out. I look forward to your next video!
@@FrugalNotCheap I dont think they can with a camera based system
We'll see! 🙂
Great review of Tesla insurance. I am with Travelers now, but always shop around. My problem is home insurance and not being able to bundle it. I think Tesla,insurance could save me, but my home insurance would get jacked up and off set any savings. I live in Dallas and the insurance is going through the roof, literally lol. Keep up the great work.
It really is going through the roof our here! I think you're right, it's harder to save on Tesla vs bundling
Great information, it seems like the savings should be more.
Would be nice!
If you park in a parking garage, the safety score dings you a lot for aggressive turning and such which can lower your score by 20
Ouch! I haven't had this problem, but that stinks
Night driving penalties are completely unfair to those with off shifts.
Sucks, but it is riskier
What are your coverages?
Good question!!
Policy Coverages
Bodily Injury Liability $250,000 per person, $500,000 per accident
Property Damage Liability $50,000
Uninsured/Underinsured Motorist Bodily Injury $30,000 per person, $60,000 per accident
Uninsured/Underinsured Motorist Property Damage $25,000
Personal Injury Protection $2,500
Medical Payments No Coverage
Vehicle Coverages
2017 Tesla Model S
Collision Deductible $1,000 deductible
Comprehensive Deductible $1,000 deductible
Rental Reimbursement $45/day, $1,350/claim
Roadside Assistance Plus
Lease/Loan Gap
No
So do you even have fun when driving? How do you not drive over 85 in TX? lol
😆 having an automated chauffeur is pretty fun!
I feel like selling your data for cheaper rates isn't a great trade off but that's just me.
As an insurer, the hardest thing is to assess risk for the insured. If you do it blind e.g. treat everyone the same, then everyone who isn't risky has to pay more to make up for the risky people. Your insurer uses data, demographic data such as age, credit score, marital status, in order to determine your premium. This is pretty intrusive data compared to what the speed of the car is, or how hard it brakes. And Tesla Insurance doesn't use those demographic factors. In a way, it's discriminatory to use those factors. That's how it looks to me 🙂
@@FrugalNotCheap Over 3 "events" you felt you had to game the system. This is crossing the line of having jiminy cricket reminding you to drive safely. Your car made you feel bad because you had to stop short?! Seems kinda degrading.
😆 thanks for commenting!
I have low mileage insurance with Tesla and I always get dinged even if I'm the only one on the road. From 100 to 93 , i did not drive for 2 and half weeks and my score went back to 100.
so it is tracking you . yeah no thanks.
Lol. Thanks for commenting!
Lol. What a fucking idiot. He has a phone... uses Google maps...thinks insurance tracking him is bad 😂😂😂😂😂😂😂😂😂
You do realize you’re being tracked already right. That phone you have in your pocket is collecting data while you’re driving and google sells it to insurances to track your driving. They use it to raise your rates but never use it to lower your rates. At least with Tesla it’s being used to lower them from their base price.
@@Puckett. Not really .
@ashishpatel350 you do realize if you drive a Tesla you’re already being tracked it’s pretty much a data company more than a car company😂