My Tesla insurance premiums keep going up even though my driving habits haven’t changed. The forward collision warning (FCW) system is also way too sensitive, constantly flagging false alerts, especially in rush hour traffic. It feels like every time it happens, I’m just burning money. I’m seriously considering switching to another insurance provider.
I’m also frustrated with the latest Autopilot update, but that’s another story.
I dropped Tesla insurance last week after a $160 bill on an 88 safety score filled with false FCWs.
Jules said:
I dropped Tesla insurance last week after a $160 bill on an 88 safety score filled with false FCWs.
Is there a way to contest inaccurate FCWs? If not, it seems like a complete scam.
@Davin
You can try calling, but be prepared for a 45-minute wait just to talk to someone.
@Davin
Nope, I talked to them yesterday. There’s no contest process, just canned responses. I did email them a complaint, though.
@Davin
You could check your LexisNexis report to see if Tesla insurance is listed there.
Jules said:
I dropped Tesla insurance last week after a $160 bill on an 88 safety score filled with false FCWs.
I was in a similar situation. My safety score dropped to 94 due to false FCWs on version 11.4.7. My premium went up by $50 for two months, but it went back down after updating to 11.4.9. Now my projected premium is $109 for a Model X in Texas.
I drove late at night once for about 15 minutes, and my safety score dropped from 98 to the 80s. It’s trash.
Quincy said:
I drove late at night once for about 15 minutes, and my safety score dropped from 98 to the 80s. It’s trash.
I work odd shifts, so I drive at night a lot. My safety score is constantly penalized for it. Plus, there’s a curve on my road that triggers FCWs every single day.
Quincy said:
I drove late at night once for about 15 minutes, and my safety score dropped from 98 to the 80s. It’s trash.
In some states, night driving gets flagged as risky. It’s frustrating because it’s completely out of your control.
I compared Tesla insurance with USAA, and USAA was cheaper. Plus, they don’t monitor your driving habits.
Westley said:
I compared Tesla insurance with USAA, and USAA was cheaper. Plus, they don’t monitor your driving habits.
USAA is great, but it’s not available to everyone.
Keep in mind that auto insurance rates are increasing across the board due to inflation. Tesla isn’t the only one raising premiums.
LilyLuminance said:
Keep in mind that auto insurance rates are increasing across the board due to inflation. Tesla isn’t the only one raising premiums.
It’s wild how mandatory insurance can still feel so predatory and scammy.
Telemetry-based insurance is a scam. It only benefits the insurer, not the customer. Consider talking to a local insurance broker instead.
Wilkie said:
Telemetry-based insurance is a scam. It only benefits the insurer, not the customer. Consider talking to a local insurance broker instead.
Telemetry works for some people. My family’s Tesla insurance is $180/month in Texas with a driving score of 96. It’s still the cheapest option for us compared to other insurers.
I’ve had Tesla insurance since buying my Model Y in November. The monitoring feels overly invasive. FCWs are ridiculous and have decreased my safety score. I’m switching to State Farm and saving $90 a month.
I have Tesla insurance in California. I pay $207 for two cars (one Tesla), and my premium just renewed at $206.
I’m glad I live in Canada. My insurance doesn’t track my driving, and I pay $240 CAD a month for my Model Y. The American system seems unnecessarily complicated and invasive.