Paul Sanchez
Tesla Insurance offers competitive insurance products and tools that help you drive safer. The insurance is based on real-time driving behaviour, although this is not available in California and is currently only available to drivers in select states. To get a quote, you can use the Tesla app or contact Tesla directly. Once you have received a quote, you can purchase and manage your policy using the Tesla app. To purchase a Tesla Insurance policy, you must have an assigned Tesla VIN. There are also several discounts available to customers, including a Good Driver Discount, a Multi-Car Discount, and an Anti-Theft Device Discount.
| Characteristics | Values |
|---|---|
| How to apply | Sign up through the Tesla app or contact Tesla |
| When to apply | Before taking delivery of a new Tesla vehicle, or for a vehicle you already own |
| Requirements | You must have an assigned Tesla VIN and delivery date to get a quote and purchase Tesla Insurance |
| Premium calculation | Based on real-time driving behavior, tracked using existing technology in Tesla vehicles (no additional hardware required) |
| Privacy | Tesla does not share data or monitor location |
| Availability | Only available in select states and countries |
| Discounts | Good Driver, Elite Driver, Multi-Car, Anti-Theft Device, Auto Loan/Lease Gap Coverage, Full Self-Driving (Supervised), Group, Mature Driver Improvement Course |
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What You'll Learn
Getting a quote
To get a quote for Tesla Insurance, you must first ensure that you are eligible for the service. Tesla Insurance is not available in all countries or states, so you must check that it is offered in your location.
If you are eligible, you can get a quote using the Tesla app. You will need to sign up for an account and provide some personal information, such as your name, address, and driving history. You will also need to provide information about your vehicle, including the make, model, and Vehicle Identification Number (VIN).
If you are purchasing a new Tesla vehicle, you can get a quote and purchase a policy before taking delivery. Once you have an assigned VIN and delivery date, you will be prompted to provide proof of insurance and will have the option to get a quote from Tesla Insurance.
It is important to note that Tesla Insurance bases its premiums on real-time driving behavior. This means that the company uses technology in its vehicles to track your driving behavior and calculate your premium accordingly. This type of insurance is not available in California and is currently only offered in select states.
Tesla Insurance also offers various discounts that can lower your monthly premium. These include the Good Driver Discount, the Multi-Car Discount, and the Anti-Theft Device Discount. Be sure to review the available discounts in your state and see if you qualify for any of them.
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Purchasing a policy
To purchase a Tesla insurance policy, you must first obtain a quote. You can get a quote through the Tesla app or by contacting Tesla directly. To get a quote through the app, open the app and tap the menu in the top-right corner. You will need to provide some basic information, such as your name, address, and driving history. You will also need to have an assigned Tesla VIN and delivery date for your vehicle. Once you have received your quote, you can purchase the policy through the app or by contacting Tesla.
It is important to note that Tesla Insurance is not available in all locations. Currently, it is only offered in select states and countries. Additionally, Tesla Insurance is specifically designed for Tesla vehicles, and you must have an assigned Tesla VIN to purchase a policy. If you already have insurance from another provider that covers your Tesla vehicle, you are not required to switch to Tesla Insurance.
Tesla Insurance offers competitively priced insurance products and tools that can help you drive safer. Your premium will be based on your real-time driving behaviour, which is tracked using existing technology in Tesla vehicles. No additional hardware is required, and Tesla does not share your data or monitor your location. You can also monitor and review your daily driving behaviour through the Tesla app to learn how to improve your safety score.
There are also several discounts that you may be eligible for when purchasing a Tesla Insurance policy. These include the Good Driver Discount, Elite Driver Discount, Multi-Car Discount, and Anti-Theft Device Discount. Additionally, if you are a Tesla employee, you may be eligible for a Group Discount. Certain states may also offer additional discounts, such as the Full Self-Driving (Supervised) Discount. Be sure to review the available discounts and optional coverages in your state when purchasing a policy.
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Safety Score and Trip View
Tesla Insurance bases its premiums on real-time driving behaviour, tracked using existing technology in Tesla vehicles. This means that your premium is based on how you drive, rather than other factors unrelated to your driving, such as your age or credit score.
Safety Score is an assessment of driving behaviour based on several metrics. Each time you take a trip in your Tesla vehicle, your Safety Score for that day is updated in real time. At the end of each day, your Safety Score is locked in, and any subsequent trips will contribute to the following day's score. If you do not have cellular connectivity, you may not receive immediate feedback at the end of your trip, but your updated driving information will be available once you regain connectivity.
Your premium is determined by your driving behaviour and not factors outside of your control. The safer you drive, the lower your premium. Your premium can adjust monthly based on your Safety Score and miles driven. You can monitor and review your daily driving behaviour with Trip View to learn how to improve your Safety Score. Events such as Acceleration Override will appear in your trip timeline view. Late-night driving hours are also weighed differently to reflect the increased risk associated with driving at those times.
Tesla Insurance offers tools to help you drive more safely. The more you drive with Full Self-Driving (Supervised) enabled, the bigger the discount on your insurance premium.
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Discounts and optional coverages
Tesla Insurance offers a range of discounts and optional coverages to its customers. The availability of these may differ by state, and it is recommended to check the website for the specific state-wise offerings.
To begin with, Tesla offers a Full Self-Driving (FSD) (Supervised) discount. This discount is applicable when FSD (Supervised) is enabled on the Tesla vehicle, and the discount increases the more the vehicle is driven in this mode. This discount is currently only available in select states.
There is also a Multi-Car Discount, which is automatically applied when more than one vehicle is insured under the same policy.
In terms of optional coverages, Tesla offers Collision coverage, which covers the repair or replacement of the vehicle in the event of collision-related damage. Comprehensive coverage pays for damage caused by incidents other than a collision, such as fire, theft, or hailstorm. Rental coverage reimburses the cost of renting a substitute vehicle if the insured vehicle is unavailable due to an accident. Roadside Assistance coverage includes towing services and emergency roadside services.
Other optional coverages include Auto Loan/Lease Gap Coverage, which pays towards the gap between the actual cash value of the vehicle and what is still owed on it if the vehicle is totalled or stolen. Personal Injury Protection is offered in some states and provides benefits such as reimbursement for lost wages, regardless of fault.
Tesla Insurance also offers a range of driver-specific discounts, such as the Good Driver Discount, which is applicable when the driver has had no major violations and no more than one minor violation or accident in the last three years. The Elite Driver Discount is for drivers who have had no at-fault accidents or violations in the last five years. The Group Discount is for Tesla employees, and the Mature Driver Improvement Course Discount is for drivers over 55 who have completed an approved course in the last three years.
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Managing your policy
Managing your Tesla Insurance policy is simple and can be done through the Tesla app or by contacting Tesla Support.
Getting a quote
To get a quote for Tesla Insurance, you can use the Tesla app. Open the app and tap the menu in the top right corner. You will need to have an assigned Tesla VIN and a delivery date for your vehicle to get a quote.
Purchasing a policy
Once you have received a quote, you can purchase a new policy directly through the Tesla app. You can also purchase a policy before taking delivery of your Tesla vehicle. You will be prompted to provide proof of insurance and will have the option to get a quote from Tesla Insurance during the pre-delivery tasks.
Modifying your coverages
If you need to make any changes to your policy, such as updating your address or adding additional drivers, you can do so in the Tesla app or by contacting Tesla Support at 1-844-34-TESLA.
Discounts
Tesla Insurance offers a range of discounts that may be applied to your policy. These include:
- Good Driver Discount: For drivers with no major violations and no more than one minor violation/accident in the last three years.
- Elite Driver Discount: For drivers with no at-fault accidents or violations in the last five years.
- Multi-Car Discount: For customers with more than one vehicle insured under the same policy with Tesla Insurance.
- Anti-Theft Device Discount: For vehicles equipped with approved anti-theft devices, such as alarms or active disabling devices.
- Full Self-Driving (Supervised) Discount: For customers who enable FSD (Supervised) on their Tesla vehicle. The discount increases the more you drive with FSD enabled.
Claims and Roadside Assistance
You can file a claim, schedule repairs, or request Roadside Assistance through the Tesla app or by contacting Tesla Support. Tesla Insurance offers claim management and tools to help you drive safer and improve your driving behaviour.
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Frequently asked questions
You can get a quote and purchase Tesla Insurance using the Tesla app.
You must have an assigned Tesla VIN and a delivery date for your vehicle. You can purchase a policy before taking delivery.
Tesla Insurance bases your premium on your real-time driving behavior. This means that the company uses technology in its vehicles to track your driving behavior, but it does not share your data or monitor your location. Tesla Insurance is currently only available in select states.
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