Should I get car insurance from Tesla?

Tesla is an attractive option for environmentally conscious drivers and those who want to keep up with the latest technology, but it comes with a big drawback: insurance premiums. Cars contain many rare parts that are expensive to replace, and not many repair shops know how to do them.

Some traditional insurance companies charge Tesla owners an arm and a leg for coverage, so the idea of ​​getting a cheaper policy from Tesla itself seems like an easy decision. But there is more to think about than price. Here’s what drivers need to know before purchasing car insurance from Tesla.

Who can get Tesla car insurance?

First of all, not everyone can get Tesla car insurance. Drivers must own at least one Tesla vehicle to purchase insurance from the company. People who own non-Tesla vehicles also have the option to add it.

To get Tesla insurance, drivers must live in one of the following states:

• Arizona
• California
• Colorado
• illinois
• maryland
• Minnesota
• Nevada
• ohio
• oregon
• Texas
• Utah
• girl name

Drivers in other states will have to look elsewhere for now. However, it is possible that Tesla will expand its product in the future.

How does Tesla car insurance work?

Tesla Car Insurance offers usage-based car insurance. Safety scores are assigned to drivers to determine insurance premium rates. Several factors affect your safety score, including:

• Forward Collision Warning (FCW) times when not on autopilot
• The speed at which the driver applies the brakes
• How sharply the driver turns
• How closely the driver follows other vehicles
• the speed at which the driver drives
• How long the driver uses the vehicle
• Forced autopilot disengagement count
• How often drivers do not wear seat belts

These days, many insurance companies offer similar programs, but they typically require drivers to voluntarily install a device in their vehicles to track their driving behavior. Tesla uses features already built into the car to achieve this.

California drivers should note that usage-based insurance is not available in their state. Tesla bases rates for these drivers solely on traditional factors, such as where the driver lives and accident history.

Is Tesla car insurance worth it?

Tesla car insurance isn’t very old, and with its limited audience, it explains why the company hasn’t yet been included in large-scale customer satisfaction surveys. However, there are plenty of customer reviews online, most of which are unfavorable.

Most customers seem to agree that Tesla car insurance is affordable. Or at least it starts that way. Many people claimed that their safety scores were unfairly penalized for issues such as cars suddenly jumping out in front of them, causing them to slam on their brakes, or driving on narrow roads near parked cars. They tracked safety scores and found that every violation resulted in an increase in insurance premiums, which was pretty stressful.

Many people have complained about their insurance company’s customer service. Some people said the company was very helpful and attentive when trying to purchase insurance. However, when I had to submit my claim, there was a phone wait time of at least 50 minutes and I had many problems getting my claim resolved.

This does not mean that all drivers experience it, but it is not something to ignore as many customers are complaining. People interested in getting Tesla car insurance should carefully consider these factors in addition to the base rate offered by the company when deciding if this is the best option.

As always, it’s a good idea to get quotes from several car insurance companies before deciding on a provider. Every company assesses risk differently, offers a different claims experience, and different drivers have different priorities. Having several options to compare can make it easier to identify the company that best suits your unique needs.

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