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you're missing it.
parts rarity affects insurance costs.
chevy avalanches are a fuck ton more to insure than a similar year, similarly equipped chevy suburban because there were way fewer avalanches. even though at their core they are basically the same vehicle.
avalanches have specialized body pieces. you can't call up bobs junkyard to get a rear bed storage box easily if a bedside gets taken out so shops are forced to either buy new oem or insurance company totals out the vehicle.
it's not ignorance, it's how insurance works.
it's why a corvette is cheap to insure, there's bajillions of them, and bajillions of them in junkyards.
Yes, along with injury / mortality, theft, typical demographics of owner / drivers.
That’s not bad. When I first got my S I had quotes from $150 ish dollars a month all the way to $290 dollars a month. Same coverages just different companies. Lol
A part from maybe a valet dude taking it for a joy ride or what not, I am not sure I’ve heard of a Tesla theft.
Not saying it’s impossible but it def wouldn’t be a target for your average thief.
Not only would you have to break in, but then electronically somehow wake the car up and then start it. Also you can have a 2 factor authentication in these cars where you have to enter a code to start it.
A lot of trouble for a thief just sitting there doing all of this lol. That and coupled with live tracking and sentry mode watching the car 360 degrees on the cameras lol.
$290 / month - that nuts
You are an adult, driving an adult type vehicle.
Not a 18 yrs old driving a Camaro ZL1
This is kind of what I’m thinking, combined with part scarcity.Are high insurance rates due to bad Tesla drivers or because of their restrictions on repairs? I assume purely bodywork can be done at body shops but I thought most other things were restricted to dealers only?
okay so let's chat bout this. i really don't know but i know from my firemen buddy's they have special classes in dealing with accidents that have hybrids/electric vehicles and how to cut them open/extract people/etc.
with something like the hybrid- could costs be higher because of the hybrid systems and potential risks to the occupants?
vehicles are a drop in the bucket to repair compared to humans, and humans is where the real cost comes from.
and that's typically why a suburban is more to insure than a comparble silverado- because you can have more people in it and potentially more people to fix if soemthing goes wrong.
Side note related to insurance: Tesla just got approval for it’s in house insurance in Illinois. So with tesla insurance it is dramatically cheaper because they have access to your telemetry data and also know the cars have built in 360 camera coverage that gets saved in case of an accident so it’s easier to prove fault
A surprising number of claims are from vehicles that are parked and get damaged. Having 360 cameras and recording is key to finding others at fault
Oh hell no. Sorry, you can't have access to my telemetry or video footage.Side note related to insurance: Tesla just got approval for it’s in house insurance in Illinois. So with tesla insurance it is dramatically cheaper because they have access to your telemetry data and also know the cars have built in 360 camera coverage that gets saved in case of an accident so it’s easier to prove fault
Oh hell no. Sorry, you can't have access to my telemetry or video footage.
That shit is mine. I will never allow that.
Its one thing if I have it and choose to provide it, its another if you just have 100% access to it.
So don’t use tesla insurance then?Oh hell no. Sorry, you can't have access to my telemetry or video footage.
That shit is mine. I will never allow that.
Its one thing if I have it and choose to provide it, its another if you just have 100% access to it.
So don’t use tesla insurance then?
didn't even think of that aspect.
Many insurance companies already offer services like this which they pedal to you as 'get a discount on your premiums'. They have OBD2 dongles that have GPS and cellular connectivity. Those dongles collect data from the car. This data is uploaded to the insurance providers cloud for a 'discounted' insurance. However, they now have access to your driving habits. How aggressively do you accelerate, or brake. How fast you were going on what roads...etc.So don’t use tesla insurance then?
Many insurance companies already offer services like this which they pedal to you as 'get a discount on your premiums'. They have OBD2 dongles that have GPS and cellular connectivity. Those dongles collect data from the car. This data is uploaded to the insurance providers cloud for a 'discounted' insurance. However, they now have access to your driving habits. How aggressively do you accelerate, or brake. How fast you were going on what roads...etc.
Exactly how many miles and where you travel. They get to record it all.
And then, they can use that data to adjust your premiums. Frequently drive to an area with a high crime rate? They can increase your premiums because of that.