Thanks for watching! Yeah, insurance is no fun to pay for so I'm glad that I found a lower rate based on my good driving behavior with Tesla. FSD is still work in progress. Hopefully version 12 will smooth out some of the small errors that I continue to see in V11.
Loved this video. Needed the intel. Can you check the insurance rates for the cybertruck? That would be a great video as well. I am having a debate here with the family on total costs. Guessing Tesla insurance will probably be the way to go.
Thanks for watching! I am also looking to get CyberTruck when the non-Foundation Series is available to order. I plan to make a follow up video when I get CyberTruck to show how much it costs to insure through Tesla and how my overall rate changed compared to this video.
If the car in front of you stops too quickly, you’re following too closely. I drive a model Y performance, I love the hell out of it and I’m certainly not a granny behind the wheel, but I rarely get forward collision warnings. Tesla will give you those warnings more often if it recognizes a vehicle braking ahead of you and senses that your eyes are not on the road. Don’t tailgate, keep your eyes on the road and your score will jump up quite a bit. I’ve got a 97, frequently 98. and my only detractors are that once a month or so I leave for the office before 4am and a little bbit of hard cornering (It’s a model Y performance, sometimes I get a little too sporty lol). Also, just as a data point, I’m in the metro Detroit area and I pay quite a bit more than you. When I first got it I was paying $98/month but I’ve changed jobs and have a longer drive now, between that and a number of road trips I’m averaging more than 24k miles / year and my rate now is $198/month.
Thanks for watching and sharing this insight! I still think the FCWs are a little extra sensitive but you're right most of the time it's my wife or I following to closely in heavy non-highway traffic when they pop up. FSD is the way! Also thanks for sharing that data point on your cost out in Detroit.
@@TeslaFamilyChannel According to three different insurance companies the risk of a collision is much higher with FSD. Drivers still need to be in control of their vehicle.
@@harveypaxton1232 with FSD you are still in control but you are supervising and not doing the labor and bringing stress and fatigue of driving. Tesla has billions of miles of data from their cars that prove FSD is multiple times safer than a human driver.
@@TeslaFamilyChannel I am not agreeing or disagreeing with your point but the insurance companies have a pretty straightforward way of determining the rates based on claims and determining their risk.
I've had the Tesla Insurance since I took my delivery last November. It's alright mostly but I've had some real issues with phantom forward collision warnings. last week it went off 3 times and none of them were anywhere near even 1% chance of any sort of collision. I'm talking situations like I was following a car at approx. 35 mph with about 3 or 4 car lengths between us and when the driver in front of me simply stepped on their brakes to turn into a parking lot, my Model 3 turned it red on the screen and beeped at me. It did this before I could even react, nevermind the fact that there was absolutely no chance of any contact whatsoever. It could be due to my car having cameras only and no ultrasonic sensors but it's still annoying as heck. It dropped my score from 96 to 94 in 2 days through no fault of my own. The 10 pn cutoff for 'late night driving' is a real annoyance as well. I could see midnight to 5 am, but 10 pm is way too early. Plenty of people go to a movie or a game and drive home after 10 pm.
Thanks for watching and sharing your experience with Tesla Insurance! Are you saving money verses what it would cost you to insure your car with another company? FCWs are very sensitive. The car is always calculating your speed and distance from a vehicle in front of you, along with that other vehicles speed and the difference. If you are both going a similar speed that speed difference is very small but if the vehicle in front applies the brakes and it takes you several seconds to respond then it usually throws an FCW. Best way to avoid those is to drive in autopilot/FSD as much as you can. I drive alot in FSD and still get FCWs the times that I am manually driving. It is dinging my score but also helping to keep me alert.
@@TeslaFamilyChannel the cost has been mostly similar or a few dollars less compared to the annual quote that I got from Progressive before I took delivery last November. They quoted me something like $1,680 for the year and my Tesla Insurance payments have been hovering between $129 and $140 per month. An outlier to this was January when it spiked up to $220 due to an unusually high amount of driving combined with a relatively low driving score. Since I took delivery a couple of days before Thanksgiving and drove out of state twice in a period of 30 days, Tesla Insurance figured that I am on pace for 25,000 miles annually. Combined with the fact that they dropped me from the initial score of 90 to an 87, my initial rate went up from the initial $137 to the $220. I quickly understood the factors that they use to score your driving and raised my score back up to 96. Also, over the last 2 months I managed to lower the average annual mileage down to 12,000 and that has helped to reduce my monthly cost drop to $130. It should get even lower once I reach my annual mileage target of 10 K miles which is also what my lease is for, as long as I can keep my driving score at about 95 or higher.
Thanks for watching! Actually it's not a significant change to my driving behavior. Using FSD 90% of the time and feel much safer knowing nine cameras and the FSD computer are working together to get me and my family to our destination safely while also saving over $75 a month.
To be honest, Safety Score has helped me become a more safe driver when not in FSD. The safety score metrics are very reasonable and I think all insurance companies should go this route.
It’s not big brother. If you’re an unsafe driver, you should pay relative to your actual risk profile. If you owned an insurance company, you’d want to know who you’re unsafe drivers are too. It’s not fair to the rest of us with a brain to be charged for the a-holes who blow the risk averages out of the water. Tesla, unlike all the other insurance companies, shows you exactly how they judge you, how all the calculations work and what is affecting them. Try using your brain and life becomes more rewarding.
