Is Tesla Insurance worth it? 🧐 6 month honest review

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  • เผยแพร่เมื่อ 25 ส.ค. 2024

ความคิดเห็น • 83

  • @b3naqua
    @b3naqua  2 หลายเดือนก่อน +6

    Update: I canceled Tesla Insurance and found a much cheaper and better plan w a different company 👌🏼 RIP Safety Score lmao

    • @HolidayJZ
      @HolidayJZ 2 หลายเดือนก่อน +1

      which insurance did you go with? I can never find good rates for a Tesla

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +4

      @@HolidayJZ I went with Costco's auto insurance. It was $60 cheaper per month, with no safety score bs lol

    • @dis1pnoy
      @dis1pnoy หลายเดือนก่อน

      How much do you pay for Costco? I live in ca so no safety score for us here.

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      @@dis1pnoy for 2 cars thru Costco in TX, it’s about $180/month

    • @mr.getitdone1451
      @mr.getitdone1451 หลายเดือนก่อน

      If you live in Cali it doesn’t apply

  • @Athandatu
    @Athandatu 2 วันที่ผ่านมา +1

    The forward collision AI is so annoying. Your incident in the parking lot is very similar to what happens to me as well. I would add that whenever there is someone walking on a sidewalk, I need to turn my wheels slightly away from that pedestrian, because my Tesla keeps thinking I’m about to run into them

    • @b3naqua
      @b3naqua  2 วันที่ผ่านมา

      Ugh yeah so annoying! So glad I canceled Tesla insurance tbh, no more worrying about the AI messing up constantly. Way less stressful driving my Y without it.

  • @TrendyStone
    @TrendyStone 21 วันที่ผ่านมา +2

    As an experiment I kept Allstate on my Tesla model 3 and have had Tesla insurance on my wife's model Y for about 2 years. Overall Tesla insurance has been cheaper than Allstate and when my wife had a rock go through her windshield they were very responsive. We paid for the repair and they reimbursed us within a week. However...I personally don't like the Big Brother feeling so I'll keep Allstate on my own car even though it costs a bit more. My wife drives like a grandmother so it's great for her.

    • @b3naqua
      @b3naqua  21 วันที่ผ่านมา

      Interesting!

  • @BosnianAJ
    @BosnianAJ 15 ชั่วโมงที่ผ่านมา +1

    I tried I love it saves me money

  • @sanjayreddy697
    @sanjayreddy697 2 หลายเดือนก่อน +2

    Yes, the forward collision warning needs to be improved. I have a turn near my house where I am often dinged depending on where cars are parked. Very frustrating.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Agreed! I have the same issue in neighborhood as well. I have to drive around the turn so carefully if someone is parked there. Sometimes I’ll drive all day with zero dings, then get to that one turn and get dinged cuz of a parked car at the turn and I swear I want to throw my phone into the lake lmao

  • @ChristopherHProductions
    @ChristopherHProductions 2 หลายเดือนก่อน +2

    I also noticed “hard break” is almost anytime i touch the break instead of using regenerate breaking. They should make the dings less sensitive. Cool concept but yeah

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      Oh yeah, that was another annoying one for me too! I was dinged so many times for gently coming to a normal stop with light braking. The system is flawed 😭

    • @patmcmahon7022
      @patmcmahon7022 2 หลายเดือนก่อน

      Me too. I can't use the brake pedal.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      @@patmcmahon7022 same. it's ridiculous lol

  • @deathab0ve
    @deathab0ve 2 หลายเดือนก่อน +2

    A curfew 11pm to 4am is dumb, I work in a building that operates 24/7. hundreds of employees work between those hours. I just applied for a shift where I get in at 4am. I understand it is more potential risk, but it is also just too much control/surveyance over my life they want.
    Other than that, this app is way better than mine for Progressive. The rate is similar, I pay 133 a month for a Chevy trax rn.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Agreed, their system kinda screws night shift workers over tbh. I like to go to the gym after 10pm cuz it's less crowded, and I had to go earlier in the evening when it's jam packed cuz I didn't want to mess up my safety score lol. Def a 1st world problem but still v annoying

    • @mgoss2239
      @mgoss2239 3 วันที่ผ่านมา

      It's not personal. You're out late, more accidents happen late probably due to no fault of your own but the company still has to repair your car. It's all numbers and stats.

  • @charles8it
    @charles8it 2 หลายเดือนก่อน +1

    I had the same issue. The errors in the AI that measures the score was too many! That’s a big deal when it affects how much you pay. I canceled at the end of my first 6 months. Now I drive with less stress and more freely. I have Allstate Drivewise and I have perfect driving records!
    Tesla’s Beta score should not be official or should at least have a mechanism to correct errors. Especially when it is affecting payment!

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      Exactly! Agreed 👏🏼

  • @crazycoastie
    @crazycoastie 2 หลายเดือนก่อน +1

    I think we all should be able to see the safety score beta. With or without being a Tesla Insurance customer. It could 1. People with natural high safety scores try the switch and 2. Keep us normal
    Drivers away lol

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      lmao agreed

  • @dnipple92
    @dnipple92 2 วันที่ผ่านมา

    Honestly would never use insurance that tracks you. Tesla or any of the others with the OBD plugs.

    • @b3naqua
      @b3naqua  2 วันที่ผ่านมา +1

      Yeah it's p creepy tbh

  • @thomaswilliams6155
    @thomaswilliams6155 2 หลายเดือนก่อน +2

    I'm considering leaving my Tesla insurance. We aren't comparable. When it's wrong it doesn't give me extra money. Always taking taking taking. It's close to being cool, but NOT.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Good point - we shouldn't get penalized when their system messes up, which it does a LOT ugh

  • @Slaize
    @Slaize 2 หลายเดือนก่อน

    my forward collision will constantly beep because a car a good distance ahead of me is making a right turn and not really in my path at all. or when I'm parking in a parking garage it thinks I'm going to crash in to a parked car for no reason. Tesla insurance ended up being a lot cheaper than other companies for my Tesla though.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Omg those same dings happen to me all the time too 😭

  • @Sanjay9442
    @Sanjay9442 หลายเดือนก่อน

    I never opted for Tesla insurance because of Tesla safety score which I experienced when I was trying to get FSD beta before it had been released to every one. Tesla penalizes accelerating and apply brakes. Tesla expects every one to drive like a grand ma.

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      and even if you drive like a grandma, you still get dinged lol

  • @keoniheaston
    @keoniheaston 19 วันที่ผ่านมา +1

    🐻 good info....thanks

  • @superzero4250
    @superzero4250 2 หลายเดือนก่อน

    We turned off the Safety Score feature, as it kept indicating we are going to hit parked vehicles on narrow curved streets, well before we even approached…
    It even registered a couple of times, that we were going to hit a car, in front of the car, in front of us…
    😳

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      oooof yeah that has happened to me so many times too 😭 what state are you in? In Texas, there was no way to turn safety score off a Tesla Insurance ugh

  • @rockwallcares5084
    @rockwallcares5084 หลายเดือนก่อน

    With my 23 I got all kinds of bullshit FCW, for no reasons. I always felt it was a scam to make rates higher. That said it was about 30-40% cheaper than the other companies I quoted, around $70 per month. With my 24 M3P it is about half what other companies charged, $176 per month through Tesla.

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      @@rockwallcares5084 yeah it seems like it’s decent rates w bs software lol

  • @MichaelsJohnDeere
    @MichaelsJohnDeere หลายเดือนก่อน

    i like it but have the exact same issues you have with unsafe following I live in Marlyand but travel in DC and Virginia people cut right in front of you when you attempt to keep a safe distance. I have often wonder if honking my horn and activating the camera would be help the AI fix this issue.

    • @b3naqua
      @b3naqua  หลายเดือนก่อน +1

      Unfortunately I don’t think that would help AI learn how to score unsafe following better :( it doesn’t seem smart enough to realize when people cut us off, it’s not necessarily our fault and shouldn’t count that as unsafe following. It still does, ugh

    • @MichaelsJohnDeere
      @MichaelsJohnDeere หลายเดือนก่อน +1

      @@b3naqua As I get older of course the safer I drive as well my career depends on it as CDL Class A license holder. I observe that this behavior gets worse in major metropolitan areas. I agree that its not smart enough but hope it could be, but then maybe AI would get out of hand I'm not sure.

  • @MrD215
    @MrD215 2 หลายเดือนก่อน +1

    So, while if FSD (Full Self Driving) is in control do you still get dings?

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Nope, when FSD and autopilot are engaged, the safety score is not affected

    • @purposeinabundance6063
      @purposeinabundance6063 27 วันที่ผ่านมา

      @@b3naquabullshit because I had auto pilot on and I still got dinged

    • @b3naqua
      @b3naqua  27 วันที่ผ่านมา

      @@purposeinabundance6063 the system is mad flawed tbh. Pretty sure that happened to me too a few times

  • @jamessagun
    @jamessagun 2 หลายเดือนก่อน

    🐻 I can understand the concerns with AI or the algorithm issues that are erroneous, but I think it makes sense to deduct points for things like people pulling in front of you or driving late at night. While they're not the driver's fault, it seems there exists a higher risk of an accident if people do risky things around you or when you drive at night.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Yeah the late night driving thing makes sense (to a degree). But tbh I experience way more awful driving & accidents around rush hour than late at night. I also wonder about people who work late, or are Uber drivers etc who get dinged for driving past the Tesla curfew. Late night driving, even for a few minutes, seems to severely ding the safety score.

    • @jamessagun
      @jamessagun 2 หลายเดือนก่อน +1

      @@b3naqua Good points. In the end I think it'll come down to whichever is cheaper with my regular driving. I haven't bought the Tesla yet, but you've given me a lot to consider.

  • @arthdenton
    @arthdenton 2 หลายเดือนก่อน

    How does it rate your driving if on FSD? I'm on FSD 99% of the time.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      FSD driving doesn’t affect safety score at all so you’d prob be ok!

    • @superzero4250
      @superzero4250 2 หลายเดือนก่อน

      Make/ Model/ Year….
      Does it have RADAR | Ultrasonic Sensors…
      🤔

  • @legoNerd01245
    @legoNerd01245 2 หลายเดือนก่อน

    im 25 and pay 1k a year for my 21 Volkswagen, so this is more expensive than i thought itd be

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      Teslas in general are more expensive than most popular car brands for insurance in my experience

    • @legoNerd01245
      @legoNerd01245 2 หลายเดือนก่อน

      @@b3naqua probably because of all the videos of random people keying teslas

    • @yxmichaelxyyxmichaelxy3074
      @yxmichaelxyyxmichaelxy3074 2 หลายเดือนก่อน

      Peanuts. You have it made. Especially at 25.

    • @legoNerd01245
      @legoNerd01245 2 หลายเดือนก่อน

      @yxmichaelxyyxmichaelxy3074 you think 1k a year on insurance is making it? Yikes, that's pretty depressing ngl

  • @bond3161
    @bond3161 2 หลายเดือนก่อน

    RIght off the bat, I think people are prematurely discounting Tesla. The rate of success is exponential or an S-curve. When they successfully implement FSD which will happen just a matter of time, the insurance should be completely reduced to what is proportional to the use of FSD.
    Ie. how can you raise the rate for someone who is completely reliant on YOUR system to drive?
    You see, this is the sychronicity of the genius of Tesla. They aim to completely electrify, digitalize, and sync all the systems together.
    So yes, it might have some issues for Tesla Insurance, but things will only get better. Tesla is not a stagnant company. The leader moves the company.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      I hear you. I’m all for electrifying/syncing these systems, and as a Model Y owner, I’m rooting for Tesla to reach some new milestones and thrive. I think the bigger issue is Tesla’s AI systems feel very beta and are having a tough time adapting to infinitely perplexing and unpredictable human driving patterns. I tried FSD when Tesla gave us the free trial and it was a fun, but kind of awful experience imo (see my other videos about it).
      Tesla Insurance (which is in beta) is another example of their AI learning to evolve in realtime with the complexities of the road. It does pretty well overall, but when it fails, it is usually kind of dumb stuff, like what I talked about in my video. And then we, the users, get charged extra for the errors with no way to fix or change it? We’re paying for these services, giving them mountains of free data, yet the users get kinda screwed then their AI messes up. It’s a flawed system, and I hope it improves for everyone.
      I’m genuinely excited about all their AI tech, but tbh feels about 70% of the way there in my experience. It still has a long road to travel, but I hope it gets there 🤞🏼

  • @dillonyank862
    @dillonyank862 2 หลายเดือนก่อน

    Can you opt out of the safety score discounts?

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      No 😭

    • @mikeli1126
      @mikeli1126 2 หลายเดือนก่อน +1

      if you're in california, safety score discounts / incentives do not apply

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +1

      @@mikeli1126 whoa, interesting. So it's just normal insurance in Cali? with no safety score

    • @Western.Confrence
      @Western.Confrence หลายเดือนก่อน

      @@b3naquawould like an updated comment on this please, thanks!

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      @@Western.Confrence seems like in California safety score doesn't affect insurance premiums, or you can opt out of it

  • @danger_pig
    @danger_pig 2 หลายเดือนก่อน +1

    💯

  • @petalumatube
    @petalumatube 2 หลายเดือนก่อน

    Forward collision warning is a scam.

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน

      yeah out of all the dings, I think that one is the most infuriating

  • @collinshelton6414
    @collinshelton6414 หลายเดือนก่อน +1

    🧸

  • @ignatiusjohn_
    @ignatiusjohn_ 2 หลายเดือนก่อน +1

    🐻

  • @Mark.Taylor.
    @Mark.Taylor. 2 หลายเดือนก่อน +1

    GEICO version is so bad too. 🐻🐻‍❄🧸🧔‍♀🧔‍♂

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +2

      ooof yeah after this experience, I don't think I could ever do a "pay based on how you drive" type of situation again 💀 not to mention the privacy/data concerns in these apps

    • @jamesepps6801
      @jamesepps6801 2 หลายเดือนก่อน

      Yes Geico is driving app is terrible so unreliable also gives you BS alerts. Hard breaking and other untrue stuff

  • @Chb1812
    @Chb1812 2 หลายเดือนก่อน

    If it’s no cheaper than a competitor. I don’t see what the benefit is?

    • @bryanchannell7715
      @bryanchannell7715 2 หลายเดือนก่อน

      Because he hasn't had a claim yet Tesla can repair it far cheaper than non Tesla competitors can repair teslas

    • @b3naqua
      @b3naqua  2 หลายเดือนก่อน +2

      I could see some Tesla owners preferring the simplicity of keeping every car related service in the Tesla ecosystem, including the insurance. Easier billing, less companies to juggle etc

  • @BevinBevin
    @BevinBevin 2 หลายเดือนก่อน

    My safety score is legit 3 I CANT BE THAT BAD OF A DRIVER??

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      Whattt 💀 what are your biggest dings?

    • @BevinBevin
      @BevinBevin หลายเดือนก่อน

      @@b3naqua I think it’s cause I just got my Tesla and has only had a few drives to average out 💀

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      @@BevinBevin ah ok it'll prob improve over time!

  • @glenndadancinman
    @glenndadancinman หลายเดือนก่อน

    PLEASE AVOID TESLA INSURANCE. bad customer service

    • @b3naqua
      @b3naqua  หลายเดือนก่อน

      truth