u/reelhappi

As the title asks, has anyone needed to use Tesla insurance and has a GOOD experience? Currently with Safeco (just bought out by Liberty) and paying an astronomical amount in Missouri. $3200/year on a 2026 S and $2400 on a 2024 model Y AWD LR. No accidents or tickets on our record, and all of our insurance (home & umbrella) are bundled. Or maybe this isn’t astronomical at all... 🤷‍♀️ Our deductibles are low ($500) but I’m going to increase those to hopefully lower the rates.

We have an insurance broker but she’s kept us with the same insurance company for 3+ years. Hubby used to take care of all of this, but after he had a brain tumor removed he’s no longer in a position to take care of the bills. I’ve been trusting the broker and now starting to wonder…

Any advice? Lemonade isn’t an option in MO.

PS - Hubby uses FSD almost 100% but disengages in parking lots and to override navigation that thinks a detour sign into our neighborhood means the entire road is closed (it’s closed just beyond our neighborhood). I’ve read here that disengaging by using the brake results in “hard braking,” which drives up your score.