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Tesla vehicles are expensive to insure. Because of this, Tesla decided to propose a policy to reduce these costs, without going into many details about how it would work. ValuePenguin.com dug a little deeper and managed to offer us a comprehensive analysis of what can make Tesla insurance cheaper. And we emphasize the "can" part.
according to ValuePenguin.com, a Tesla Model 3 has an average insurance cost of $ 1,913. Those for the X model and the S model, both 90D, are $ 2,473 and $ 2,963, respectively.
Why are Tesla insurance costs so high? Mainly because they are not cheap to repair. To answer that, ValuePenguin.com indicates that Tesla will have its insured cars repaired exclusively at its service centers. This would indeed be a good idea if the service centers had a small workload to handle.
They are not, at least in the whole world. This is one of the reasons that Nextmove has seen Tesla cancel a major order of model 3 devices in Germany, for example.
As they were delivered with countless problems, the VE rental company attempted to make sure that Tesla ensured that all cars would be repaired before delivery. But the service centers in Germany could not have any new appointments before October, in some cases.
Tesla Insurance is offered only in California in this first phase. Will the company's stores be able to respond to the demand generated by the policies? If that's the case, bingo.
Other strategies used by Tesla to reduce car insurance include reducing commission rates and offering discounts for loyalty, multiple fonts, group policies, antitheft devices and good drivers. But one of the most interesting is the autopilot. And the autonomous capabilities promised for Tesla cars.
Discounts for autonomous driving
Another sign that Tesla is about to offer autonomous vehicles is its desire to boost the use of these features with its Tesla insurance. according to ValuePenguin.com, there will be a table of discounts depending on the level of autonomy you use:
The highest discount is for Level 5 autonomy applied to any driving scenario: 30% less overall bonus. But you also get 25% less for level 4, described as "full-time autonomy for a whole trip (in some environments)," 15% less for level 3, with "security-critical features." completely transferred to the car. , "And 10% less for current autopilot use, or level 2 battery life.
ValuePenguin.com Elon Musk once said that Tesla Insurance would be able to offer discounts based on telematics, but there was no evidence about it in the filing with the California Department of Insurance.
Stand-alone capabilities would have special safeguards, such as the liability of the owner of an autonomous vehicle, which "covers any bodily injury or property damage that occurs while your car is operating in autonomous vehicle mode (level 2 or above) within the same limits. when you drive. "
There are other interesting and exclusive solutions, such as cyber identity fees, wall charger coverage and electronic key replacement – limited to two claims per policy period.
Will the new Tesla Insurance help the company effectively reduce the insurance costs of its vehicles? If Tesla service centers are able to cope with demand and autonomous driving is finally on the table, the answer is … maybe, maybe, maybe.
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Source: ValuePenguin.com
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