Car Advice

[KI4MVP]

New tires made a huge difference last winter. Model S P100D.

I may have convinced myself to get the winter tires this year. I have to see if I can figure out where to keep the ones I'm not using.

 

[DJTJ]

Insurance savings with Tesla insurance on Model 3 Performance. Rate is tied to safety score. Same coverage/limits as old insurance, old insurance was over $120/month.

View attachment 13701

Fuel savings over the same days the safety score - 846 miles driven, 817 on Autopilot/FSD.

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I’m really intrigued on this insurance thing.

Dying to know what the coverage line is, because for anything substantial, Tesla is likely taking an absolute beating on it.

That, or they nuked exclusions into their policy that I could not even fathom.

 

[inliner311]

I may have convinced myself to get the winter tires this year. I have to see if I can figure out where to keep the ones I'm not using.

People are always dumping winter tires/rims. Usually they tend to sell a car then forget to include the extra set of wheels with the car. 5x114.3 is a very common bolt pattern which the model 3 has. I don't know how common the offset and center bore is but spacers and adapter can usually fix some of those. You can also have a machine shop bore the center bore wider too.

 

[Sebastian]

The Cayenne/Touareg/Q7 definitely can be good off-roaders but what I found is they have limited aftermarket off-road parts options. People have to modify thing that are made for the Touareg to fit on the Cayenne and vise versa. Also the platform is that Cayennes, Touaregs, and Q7s are based off of seem to create alot of unnecessary long and harder maintenance issues. I know on certain Touaregs you have to drop the engine to do the alternator and other routine maintenance.

The RR sport seems like a good fit for you. All Land/Range Rovers are pretty off road capable and there is usually a lot of off-road parts options. I know Rovers tend to have their problems with thing breaking but I don't think they have a reputation for being hard to work on or labor intensive.

My other brother had a Defender 90 that he loved. He has talked about getting the new Defender. From the reviews it seems like a very good mix of luxury and ruggedness. I'm hoping they sell enough of them here that they don't become collectors items like the old ones so I can buy and build a cool one in the future.

Agreed on the Porsche and it is also very pricey.

I had a RR Evoque for four years and never had an issue with it but yes, RR has a history of not being reliable.

That said, Jeep still has not come around in the comfort/luxury department which is a requirement for my broke ass like the Rovers so until something changes I am pretty tied into the Rovers as there are few vehicles that are as equally off-road capable and comfie as Rover.

I am actually very curious about the new Defenders. My buddy in Hawaii bought himself a beautiful 1997 Defender and loves it. He also bought the new Defender and says he really likes it!

So in the near future, I may have to run the RR Sport and the new Defender through their paces to see which best meets my needs.

 

[KI4MVP]

I’m really intrigued on this insurance thing.

Dying to know what the coverage line is, because for anything substantial, Tesla is likely taking an absolute beating on it.

That, or they nuked exclusions into their policy that I could not even fathom.

It's underwritten by State National Insurance Company, rates are based on safety score and Tesla's associated accident data. Rate next month is actually a few cents lower than a couple of months ago when I had a 100 score. It was just over $30 then and goes up about $3 for each point under 100. I've only been as low as about 96, so I don't know what happens below that.

Exclusions include it doesn't cover using it for delivery service, ride sharing service, renting it out,

I double checked, it has all of the same coverages and limits as I had before (with USAA).

The best way to keep a high safety score is to use Autopilot/Full Self Driving as much as possible. Tesla's statistics show that makes cars far less less likely to have an accident. Nobody else collects fleet wide safety data the way Tesla does or includes Autopilot level safety on every vehicle they sell.

 

[Out of the Rafters at the Q]

Just throwing it out there--if you haven't looked at your car insurance in a couple years, DO IT NOW!

After COVID hit, car insurance rates plummeted. For our two cars, we pay 749 a year total. That's for full coverage, through Safeco--not some budget insurance that covers nothing. Something like 30 bucks a month per car? It was a stupid amount of savings for us.

I used GABI to shop around for the best insurance option. Just give them access to your current insurance quote and they'll find the cheapest policy that matches your coverage. It was pretty slick.

 

[DJTJ]

Just throwing it out there--if you haven't looked at your car insurance in a couple years, DO IT NOW!

After COVID hit, car insurance rates plummeted. For our two cars, we pay 749 a year total. That's for full coverage, through Safeco--not some budget insurance that covers nothing. Something like 30 bucks a month per car? It was a stupid amount of savings for us.

I used GABI to shop around for the best insurance option. Just give them access to your current insurance quote and they'll find the cheapest policy that matches your coverage. It was pretty slick.

Sadly, this isn’t the case for a lot of states post-COVID. I don’t deal with Ohio insurance, so I’m assuming it was largely unaffected.

Almost every insurer had massive base point raises in 2022. I know for Texas, for example, most major carriers raised base on average 15 points, which is equivalent to 15%.

So, regardless of if you were a perfect driver with a perfect underwriting profile, 15% increase. The hurricanes+used car parts and prices absolutely boned the industry, and they’re looking to make it up.

 

[DJTJ]

It's underwritten by State National Insurance Company, rates are based on safety score and Tesla's associated accident data. Rate next month is actually a few cents lower than a couple of months ago when I had a 100 score. It was just over $30 then and goes up about $3 for each point under 100. I've only been as low as about 96, so I don't know what happens below that.

Exclusions include it doesn't cover using it for delivery service, ride sharing service, renting it out,

I double checked, it has all of the same coverages and limits as I had before (with USAA).

The best way to keep a high safety score is to use Autopilot/Full Self Driving as much as possible. Tesla's statistics show that makes cars far less less likely to have an accident. Nobody else collects fleet wide safety data the way Tesla does or includes Autopilot level safety on every vehicle they sell.

View attachment 13705

Ok, that’s what I was uncertain of. Tesla gives huge discounts if you’re using AP. That’s super interesting.

FWIW, I thought Tesla rolling out insurance was going to really help my industry, specific to California. California doesn’t let insurers rate based on telematics, and I was certain Tesla would get that changed. Would be tremendous for the people there.

 

[Out of the Rafters at the Q]

Sadly, this isn’t the case for a lot of states post-COVID. I don’t deal with Ohio insurance, so I’m assuming it was largely unaffected.

Almost every insurer had massive base point raises in 2022. I know for Texas, for example, most major carriers raised base on average 15 points, which is equivalent to 15%.

So, regardless of if you were a perfect driver with a perfect underwriting profile, 15% increase. The hurricanes+used car parts and prices absolutely boned the industry, and they’re looking to make it up.

Wow, that sucks.

When I saw just how much we were saving, I was shocked--and yeah, in Ohio. One of those two cars is brand new.

 

[DJTJ]

Wow, that sucks.

When I saw just how much we were saving, I was shocked--and yeah, in Ohio. One of those two cars is brand new.

It’s… not good. It’s to the point in states I deal with that “cost saver” insurance companies and the ones people think of as overpriced are playing for the same people on the same cost.

There was a point when the used car values/parts were so high, that in states where a total loss is a percentage plus salvage (like 20k car, 8k damage, 15k salvage which is what a carrier gets back) cars were being totaled out on just minor losses and carriers ended up saving money versus the repair. In that scenario, they save 3k.

The industry is… wild right now. Absolutely wild.

 

[inliner311]

It’s… not good. It’s to the point in states I deal with that “cost saver” insurance companies and the ones people think of as overpriced are playing for the same people on the same cost.

There was a point when the used car values/parts were so high, that in states where a total loss is a percentage plus salvage (like 20k car, 8k damage, 15k salvage which is what a carrier gets back) cars were being totaled out on just minor losses and carriers ended up saving money versus the repair. In that scenario, they save 3k.

The industry is… wild right now. Absolutely wild.

I've seen a lot of people parting out cars on Facebook marketplace. I think alot more of the cars that would have ended up in junkyards are being snatched up by people parting them out on the side.

 

[KI4MVP]

Ok, that’s what I was uncertain of. Tesla gives huge discounts if you’re using AP. That’s super interesting.

FWIW, I thought Tesla rolling out insurance was going to really help my industry, specific to California. California doesn’t let insurers rate based on telematics, and I was certain Tesla would get that changed. Would be tremendous for the people there.

Technically it's for high safety score, best way to maintain the high safety score is to leave AP on. These are the factors. In some states they also added late night driving (10pm-4am), but haven't added that in Ohio. At least not yet.

 

[DJTJ]

Technically it's for high safety score, best way to maintain the high safety score is to leave AP on. These are the factors. In some states they also added late night driving (10pm-4am), but haven't added that in Ohio. At least not yet.

View attachment 13719

Fwiw, these are the same triggers for telematics for almost every single carrier who writes rate.

For a V1, this layout is really nice in comparison to others I’ve seen.

 

[KI4MVP]

@The Human Q-Tip

FYI: Tesla now offering $7500 credit + 10,000 free supercharging miles to people who buy and take delivery of an new Model 3 or Y that's in inventory before the end of the month.

ETA: these are going fast. There were 8 inventory model 3s within 200 miles of me when I posted this a couple of hours ago, now there are 6. There were more Model Ys, I didn't count, there are 15 right now.

 

[Cratylus]

All you Tesla apologists have some serious issues you must turn a blind eye to in order to revel in and admire the technology you think will save the planet. Tesla gets a large portion of the cobalt it needs for its EV batteries (only about 45% of their cars use the new cobalt-free iron-phosphate LFP batteries) via direct sourcing from the Glencore Kamoto Copper Company in the Congo. There are numerous reports of wide-spread human rights abuses linked to Glencore, including complicity in child labor, forced relocations, environmental pollution, hazardous working conditions, and attacks on human rights defenders.

But hey, you save some money on your fuel costs... so that trumps the human rights violations and environmental degradation that occurs to allow you to drive your car. Congrats!