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Originally Posted by Tvflguy
We have a 6 mo old 2024 Tesla. Our previous Progressive insur was way too much. Contacted our agent who represents many companies and switched to Allstate. Rates good but just got our next 6 month renewal just now and up $500 a year. Crazy
Our record is flawless. And we only drive around the area, about 5k miles per year.
Before I contact the agent, is anyone aware of per-mile car insurance. ie. Pay a fixed monthly charge and $$ per mile. I see that Allstate does offer that, but not in Florida?
Anyone???
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No shortage of shoulda coulda mightas. With little driving why own a Tesla-an expensive car and then complain about insurance cost. An option is to purchase a car that is a collector item and insure it as a collector item. Cost per mile insurance, be sure to ask how fire and theft works.
IF, you lease the car or have a loan on it options may be limited. If, you increase the deductible, you are self insuring whatever the deductible is. A higher deductible and you pay less for insurance but are also getting less-you pay the first $1000 or whatever the deductible is. It does pay to shop around. People tend to think I've been a loyal customer. Actually they offer lower rates to new customers-to attract new customers. All insurance companies are good at taking your premium be sure to check how well they do on payout.
Insurance. You are paying a company to assume part or all of your risk. They do not all use the same charts to access the risk. Driving record. driver age, married, home ownership even credit score, mileage, garaged are all in there Florida is famous for truly INTERESTING drivers.