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Car Insurance

I am trying to get insurance for my Model S. I called Progressive right now and they didn't even know the car. After spending about 30 minutes on the phone, they quoted 5600$/year. They stated it is a very expensive car.

Any advice?

Any other company?

Grazie!

@nickjhowe All I can say is that even on hard stops, the device never beeped. It beeped fairly easily on my other cars on stops that I wouldn't consider a hard stop. Like I said, maybe the MS doesn't actually deliver this info to the device.

In my case the Geico coverage met or exceeded my current coverage in every category, so I was pleased with the result.

Geico does let you adjust the amounts.

$670 per year with State Farm. 49 yo male, single, living in Chicago, multi-car discount (3 cars), clean driving record.

I should add, $1000 deductible.

kishdude;
Maybe the way the regen slows you doesn't actually register as a "hard stop" on the device. So smoooootthh.

@Brian H: But we're both guys (and USAA knows it), so ??? ;-) ;-) ;-)

@kishdude: The rate sounds good even before the 'big brother' discount, huh. Mine wasn't that good. Well, different areas and other information contributes, so really these comparisons we're making are a bit apple-to-orange, I suppose. Still, that sounds great. I suspect you're relying on regen, thus don't have to break quite as much or as sharply as in your old car?

@markapeterman: The quote I got from Geico was not outrageous, but not at all competitive with USAA or Progressive. I used their online tool. (shrug) I was going to get a quote from Erie (our homeowner insurance), but we've been less than 100% pleased with their ever-changing rules (don't make 2 claims within 3 years; over 3 years after our last claim it changed to "oh now it's 4 years"...grumble, WTF are we paying for? I suspect we'll move our homeowner to USAA if they offer it in our area).

USAA quoted me only 50 bucks more in place of my Jaguar...

Geico, by a mile for me. In round numbers, my current company of over 30 years, Allstate, were puzzled at first, but looked the car up and wanted over 2 grand/6 mos. Went to Geico on-line and found the same coverage for about $850 at Geico. Ended up increasing my coverage limits and getting other add-ons for under $1100. Half the price, 10 times the limits, though I did increase my deductible so the comparison isn't perfect. I will be paying less for my new Model S than I currently pay for a 2003 MB CLK 500. Bye, bye Allstate.
I got several quotes from Geico and all were much, much less than Allstate. I liked the way their site worked too. You could design your coverage and instantly receive a quote via email. I did it at least 4 ways and the emails made it very easy to compare them without doing anything special on the site. Geico has a drop-down menu for all 3 batteries so they are obviously ready to go when it comes to the Model S.
I also tried Progressive. Prices were comparable, but I didn't get the convenient emailed quotes and they push the "snapshot" feature hard. I want no part of a data recorder connected to my car's CPU reporting back to my insurance company. Too "Big Brother" for me, and yes, I realize Tesla knows everything about my car and driving habits but they are not my insurer. I not saying I'm prone to hot-rodding or anything. I have a pristine driving record with no accidents or tickets.

@Lush1: Definitely, Geico's web interface for this is great. Progressive may push the snapshot, but it's totally optional; the underwriter I talked with asked a few Qs, didn't push it hard, and based on my answers recommended not bothering. Note: It can only help, not hurt. (Though I'm paranoid enough to be concerned that would change--but it's a short-term device, not permanent, so I doubt it'll change.)

Someone found the "snapshot" device beeped a lot on his ICE car's "hard stops", but not at all on his MS, and resulted in a 30% discount. Must be that smooooth regen effect. Or SLT.

Just got my actual policy addendum from AAA. Limits are $500k/500k with $100 comp and $500 deductible. With multi driver, multi car, multi policies and good driver discounts the premium is $1009/yr for the MS. We'll save another 5% when we send in our Mature Driver Certificates which is good for 3 years.

AAA was one place (along with Erie) I didn't get around to getting a quote from. That sounds quite good!

It's really necessary to shop around before you choose what you think is the best for you... I got my car insurance as well as my CTP from BeyondCover... Their process is smooth and easy. Plus you can also have a chance to donate to your favorite charity! If you want to check out their site, just click in here.

My preferred provider, Met life auto and property company, said that the Tesla is on their do not insure list. Disappointed. Seems like Tesla needs to educate auto insurance companies on the model s.

@mickfair Hummm. I just got insurance cards from MetLife yesterday. My agent told me that the VIN wasn't in their system, but was able to still insure me based on pricing and other information about the car. I just looked at my cards and noticed that it says 2013 TVR Model S Hardtop, but displays the VIN that I supplied him. I am going to call back though, since I am now a little worried that this may cause issues if I am asked to show proof of insurance or need to submit a claim. I would prefer to go with USAA, but until I marry my fiancee, they won't give me the discounted rate. MetLife could give me the discount for living together for a number of years.

There are at least two other threads on this one, BUT I got my insurance from State Farm with no problem/delay. The premium is less than on my 2005 Buick!

WOW! I sure am jealous of some of the above insurance quotes. I live in Southern CA and we have had our share of tickets, bumps, and bruise. Three young drivers and a lead footed wife. Originally, I asked my Mercury agent for a Model ‘S’ quote and he came back with an unbelievably high quote. I politely asked him call Mercury and talk to a specialist (underwriter?) because this quote guaranteed the loss of my patronage.

While waiting for the new Mercury quote, I contacted: Geico, State Farm, Nationwide, Progressive, Travelers, and AAA. Bottom line, the new Mercury bid came back and they were less than ALL of the above. Now, it is hard to complain about Mercury. It was interesting to see how the quotes for my other four cars measured up.

Sorry if I sound like a commercial.

I inquired over the summer with State Farm and they didn't know anything about the car. My agent sent the info to the underwriters and gave me a quote. Actual policy is $480/semi-annual with $500 deductible. No tickets or accidents. House and Multi-car discounts. I'm in Ohio. If you live in a state with No Fault laws (like Michigan); insurance premiums are way higher. So your state laws will impact the premiums you pay. Just mentioning in case you did know that.

I've been very happy with Mercury Insurance.

Risk factor for MSes: The Joy of Silent Speed.

USAA quoted me $660 for 6 month policy. I'm in TX. I'm interested why other Texas drivers are getting a better deal, I have not had an accident or ticket in over a decade and I have all my insurance with USAA. Maybe I'll get a quote from State Farm.


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