Cybertruck and Tesla Insurance.

[GnarlyDudeLive]

Regarding the Safety Score that drives your monthly payment.

Pros:

• Acceleration is not a metric.
• Speeding seems to be static based and not based on road limits. IE, something like 85+ mph creates a ding. It is pretty forgiving.

Cons:

• Traffic aware cruise control will constantly ding you for following too close when it approaches a vehicle moving slower.
• Aggressive Cornering is a bit to touchy and I find it hard to not take dings unless driving so slowly that it impedes traffic. The crazy turning radius of the CT also does not help this metric either.
• Some random collision warnings when it is no where near a collision situation really drops your score hard.

Thoughts:

• Night time driving could use something like a free 5 miles or so per day for us night shift folks.

Anyone else have inputs, thoughts or issues?

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[pricedm]

slight correction:

Traffic aware cruise control will constantly not ding you for following too close when it approaches a vehicle moving slower because Tesla’s driver assistance system is controlling the follow distance, deceleration, etc.

 

[GnarlyDudeLive]

slight correction:

Traffic aware cruise control will constantly not ding you for following too close when it approaches a vehicle moving slower because Tesla’s driver assistance system is controlling the follow distance, deceleration, etc.

It indeed does ding itself (reflecting my score). I have a ~900 mile trip using it exclusively and the logs that confirm such. You would THINK that it doesn't as it should control the distance which it does do but not enough to satisfy the safety score metrics subsystem. Perhaps this is a CT specific problem only?

 

[XCeilidhX]

Thanks for posting this and confirming I should never in my whole life have auto insurance that adjusts my rate based on an AI model of what proper, safe driving ought to be after granting permission for said AI model to constantly monitor my driving to save a few bucks. No thank you.

Sounds creepy (like Larry Ellison creepy) for starters plus the way it monitors you could miss horribly self-centered, utterly others-on-the-road unaware driving that fits it’s theoretical idea of a safe driver but misses the point of safety and courtesy on the road entirely in reality.

Yikes.

My two cents.

Cheers.

 

[Netwizzerd]

• Some random collision warnings when it is no where near a collision situation really drops your score hard.

I was able to stop these unnecessary, and very costly in terms of safety score dings, FCW warnings by adjusting the sensitivity. I can’t remember what the default setting was, but I just bumped it one notch on the sensitivity scale. I want to say it was defaulted to Early, and I adjusted to Medium. With the default setting I was getting stupid FCW’s in parking lots just navigating around parked cars, and that was gutting my safety score. Since I adjusted the sensitivity I haven’t had a single FCW.

 

[Pops]

My experience with Tesla insurance was horrible and I don't recommend it. It got to the point where I was afraid to drive my Cybertruck because I would get dinged for one thing or the other every time. Keep in mind I've never had an at fault accident in 25 years of driving.

It becomes anxiety producing even if the end result is only a small premium increase. You have no idea how bad it'll be until they give you the next month's premium number. I had to go up 50% in one month. And drop 50% after I cut back on my driving.

The worst was the false forward collision warnings which have a huge impact on your score. I was even getting forward collision warnings for vehicles on the other side of the road driving towards me. I called Tesla insurance support and they basically told me to go kick dirt. They told me to go to the service center and the service center told me there was nothing they could do.

I have Progressive now, I pay around the same without any of the downsides.

 

[MadMaxTX]

Even with all the issues, where I live it's a LOT cheaper. Need to keep checking, that could change.

 

[cbertgo]

Regarding the Safety Score that drives your monthly payment.

Pros:

• Acceleration is not a metric.
• Speeding seems to be static based and not based on road limits. IE, something like 85+ mph creates a ding. It is pretty forgiving.

Cons:

• Traffic aware cruise control will constantly ding you for following too close when it approaches a vehicle moving slower.
• Aggressive Cornering is a bit to touchy and I find it hard to not take dings unless driving so slowly that it impedes traffic. The crazy turning radius of the CT also does not help this metric either.
• Some random collision warnings when it is no where near a collision situation really drops your score hard.

Thoughts:

• Night time driving could use something like a free 5 miles or so per day for us night shift folks.

Anyone else have inputs, thoughts or issues?

I totally agree with the overly sensitive random collision warnings. I have to talk to it to let it know there is no danger keep going. It almost seems like it’s startled and can’t figure out if the danger is real. It can be very scary when you have traffic behind you!

 

[Jim Waller]

I saved over $900/yr switching back to my old insurance company. The shine has definitely gone from Tesla insurance. I can't understand Tesla here, they said they established it to foment Tesla growth based on affordable insurance. Exactly the opposite is happening now.

 

[TheMachinewon]

My experience with Tesla insurance was horrible and I don't recommend it. It got to the point where I was afraid to drive my Cybertruck because I would get dinged for one thing or the other every time. Keep in mind I've never had an at fault accident in 25 years of driving.

It becomes anxiety producing even if the end result is only a small premium increase. You have no idea how bad it'll be until they give you the next month's premium number. I had to go up 50% in one month. And drop 50% after I cut back on my driving.

The worst was the false forward collision warnings which have a huge impact on your score. I was even getting forward collision warnings for vehicles on the other side of the road driving towards me. I called Tesla insurance support and they basically told me to go kick dirt. They told me to go to the service center and the service center told me there was nothing they could do.

I have Progressive now, I pay around the same without any of the downsides.

This shit would never work in NJ,,, we wouldn't even be able to keep a score...

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