r/TeslaInsurance

▲ 3 r/TeslaInsurance+1 crossposts

Insurance for Model 3 is ridiculous

Im going to purchase a brand new AWD model 3 this weekend. I went on various insurance sites just to get a quote and based it off a 2024 AWD M3 Tesla has listed on their site.

These are the following monthly quotes

TD - $359

Aviva - $550

Allstate - $750!!!

These cant be right guys. Maybe I need to call them for better rates? I can afford the TD one but there has to be something thats lower than this...

Male, 32, First car ever. Ive been driving since I was 18 but im listed as a secondary driver on my Moms car, does that count when and Id say I was previously insured? I have been saying ive "Never been insured" before....

Any advise is greatly appreciated.

reddit.com
u/igotitnowokay — 7 days ago
▲ 234 r/TeslaInsurance+1 crossposts

Looking for witnesses: Bottle thrown on US-101 North near Alum Rock exit, 10/3/2026 at 3:45 PM

On October 3, 2026, around 3:45 PM, someone in a white Toyota RAV4 threw what appeared to be a glass bottle onto northbound US-101 in San Jose, just before Exit 386A for Alum Rock Avenue / Santa Clara Street. It shattered in front of my Tesla, and the debris damaged my car. The RAV4 then crossed several lanes and took the exit.

Footage from my other camera angles also shows the RAV4 following other vehicles very closely and making abrupt lane changes before passing me.

The throw is visible around 0:04 in the attached front-camera video. I’ve contacted CHP and am looking for witnesses or additional dashcam footage.

If you were nearby and saw what happened or have footage, please DM me. Thank you!

Edit:

Some comments suggest I was “lane camping” and deserved this. For context, I was in the HOV lane with four passengers, using FSD, with no one remotely close behind me and approximately five car lengths between me and the vehicle ahead. Regardless of anyone’s opinion of my driving, throwing a glass bottle onto a freeway puts people at risk.

I posted the rear-camera and right-pillar videos in the comments for additional context.

The rear-camera video (https://www.reddit.com/r/SanJose/s/zEqNOkC8dK) shows no vehicles anywhere close behind me in my lane throughout the clip. The freeway behind me was wide open.

In the right-pillar footage (https://www.reddit.com/r/SanJose/s/y5AbJV0ak4), around 0:13, the RAV4 is approximately three lanes to my right, following closely behind another vehicle. It then moves two lanes left and briefly leaves the camera’s view. Around 0:25, it reappears alongside me, and the driver appears to be drinking from an object resembling a glass bottle.

Even if I had made a driving mistake, that would not justify someone throwing a glass bottle onto the freeway, damaging my car, and putting others at risk.

For those asking why I’m looking for more evidence, I already have footage of the incident. I’m asking whether anyone else witnessed this vehicle driving dangerously in the area around that time or has another angle to share with CHP. Acting like this puts everyone nearby at risk, and I want to make sure any additional firsthand accounts are documented.

u/svmvn — 10 days ago

1st collision

I wannna preface this by saying this is my first ever accident, I’ve had my license for over 4 years now, not one claim prior. I bought a Tesla a couple months back got insurance through Tesla and all, today as I was parked taking a quick smoke break, a 18 year trying to park rams my car. Instantly I get insurance and I’d and she didn’t wanna move for a while so I couldn’t see the damages but reported what I was able to get. My question is she’s 18 insurances through triple A, how are my chances looking of this all. Idk the proceedings as this if my first accident so don’t go to hard on me. I also wanna preface I was out of the vehicle and it was parked in a building garage lot she was the one who rammed into me

u/veni_ma — 10 days ago