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Tesla Insurance Customers Can Now Add Their Insurance Cards to Apple Wallet

I've added the card and it looks like someone did it in 5min to just check the box.
AVOID tesla insurance, their safety score is super buggy, they dinged me many times while I'm driving down parking building and they don't tell their customers the real criteria of how they calculate the metric.

On Monday I work up from 92 to 84 even though I didn't drive it the day before and when I called (after waiting 22 minutes to get anyone to answer) they told me there is a bug impacting my account and they don't know when it will be fixed.
 
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azentropy said:
So just like every other car company then? ;)
I’ve seen and heard problems too, but I have bought two Teslas now and it couldn’t have been easier vs having to do it at a dealership. The last two BMWs I had purchased previous I had multiple issues with them not sending the title, sending it incorrectly, or even when I was buying out after lease the payoff statement didn’t show that I paid taxes (which I had) so the MVD wouldn’t issue a new title so I could sell it. I guess my point is that BMW has been around a lot longer than Tesla and still had problems.
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You said MVD! You definitely are from Arizona! ?
 
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i think tesla actually outsources this to state national insurance - not sure how much tesla themselves would be involved in a claim or the claim process. does anyone know? i agree tesla's customer-facing anything sucks badly.

another question for the crowd - it always seems that whenever the tesla app has an update, it never shows up in my app store updates list. only if i navigate to the tesla app page in the app store do i see the update button. maybe my app store is messed up in general because it never shows a badge on springboard with the number of updates available. i just have the plain blue app store icon.

edit: LOL they really hid the apple wallet support - would have never found that without the instructions. the "back" of the wallet card says in all caps: "THIS CARD IS FOR INFORMATIONAL PURPOSES ONLY AND IS NOT OFFICIAL PROOF OF INSURANCE...". man what a disclaimer.
 
Hmm, for one, I do not remember when I added my Geico card to the wallet, it’s that long ago… I never have needed it yet, I see it’s use in case of an accident, no other reason here in CA…
As for cost, at least once per year I get quotes from several insurance companies and for me, Geico has been the cheapest for like 10 years at least…
 
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Benjamin Nabulsi said:
I've added the card and it looks like someone did it in 5min to just check the box.
AVOID tesla insurance, their safety score is super buggy, they dinged me many times while I'm driving down parking building and they don't tell their customers the real criteria of how they calculate the metric.

On Monday I work up from 92 to 84 even though I didn't drive it the day before and when I called (after waiting 22 minutes to get anyone to answer) they told me there is a bug impacting my account and they don't know when it will be fixed.
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Agreed. The safety score algorithm will happily ding you for false positive front collision warnings. I had a warning a month ago approaching a particularly steep overpass and my safety score dropped from 98 to 85. (This overpass has triggered collision warnings in my Tesla and a previous Mercedes.) According to stats I've seen, that would've increased my monthly premium by $30-$40 through no fault of my own.

And with all the reports of phantom braking I've seen with the vision-only cars, I'd hate to see what their scores look like. You'd be dinged for the false collision warning and hard braking.
 
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locoboi187 said:
Ahh the overrated CarPlay. Thanks but I’ll live without it in my Tesla.
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Agreed. I don't miss CarPlay.

CarPlay just gives auto manufactures an excuse to not to actually develop a proper interface for their cars.

Now I would love an Apple Music app in my Model 3, but CarPlay is meh. Carplay was good in my Camaro, but would be a step back in the Tesla.
 
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joeblough said:
i think tesla actually outsources this to state national insurance - not sure how much tesla themselves would be involved in a claim or the claim process.
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Yes. Tesla "outsources" (uses as underwriters) a few different insurance companies. Tesla Insurance is currently available in Arizona, California, Illinois, Ohio and Texas and the underwriting insurance company can vary by state. State National handles California.
 
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Well, I didn't buy a car that goes 0-60 in 3.x seconds to use a Big Brother insurance that constantly monitors my driving and hikes my insurance rate when I have a little fun. :p
 
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boss.king said:
From everything I've heard about the admin side of Telsa, I'd be pretty weary of trusting them with insurance.
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I have Tesla Insurance for my X. Some doofus slammed into me on the 405 last year. My experience with Tesla Insurance (Crawford & Company) has been excellent. Literally nothing to complain about... Fast and friendly service.

In addition to that, my premium is very affordable for a $120k car. I only pay ~$118/mo. Much cheaper than my previous insurer.
 
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Rigby said:
Well, I didn't buy a car that goes 0-60 in 3.x seconds to use a Big Brother insurance that constantly monitors my driving and hikes my insurance rate when I have a little fun. :p
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That's not a thing... at least not yet.

Trust me... as someone that regularly floors it off the line and have tested some of the upper limits, it's not currently factored into Tesla Insurance. I also have a low 70s safety score... Lol.
 
henryhbk said:
How often are people whipping out their insurance card? Unlike my Dunks or Starbucks card I use my insurance info like once a year when my car gets state inspected (since proof of insurance is mandatory)
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Some of us live in states where having an insurance card is required by law and this will hopefully make it easier than updating the paper ones every six months to show current coverage. If you don't have that requirement, it's minimal value add until you need the info.
 
quagmire said:
CarPlay just gives auto manufactures an excuse to not to actually develop a proper interface for their cars.
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Excuse? What is wrong with outsourcing certain things to other companies that have more expertise in those areas, especially if those companies offer the product/feature for "free".

Tesla outsources various parts of their cars.
 
jooish said:
That's not a thing... at least not yet.

Trust me... as someone that regularly floors it off the line and have tested some of the upper limits, it's not currently factored into Tesla Insurance. I also have a low 70s safety score... Lol.
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That is only true if you live in California, which currently prohibits insurance companies from using telemetry to set the rate (Prop 103). In other states Tesla uses the "safety score" to calculate insurance rates, and it is influenced by things like hard acceleration and cornering.
 
Rigby said:
That is only true if you live in California, which currently prohibits insurance companies from using telemetry to set the rate (Prop 103). In other states Tesla uses the "safety score" to calculate insurance rates, and it is influenced by things like hard acceleration and cornering.
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Wow... California actually got something right. Haha... thanks.
 
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webkit said:
Excuse? What is wrong with outsourcing certain things to other companies that have more expertise in those areas, especially if those companies offer the product/feature for "free".

Tesla outsources various parts of their cars.
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If GM would pay Apple to develop an OS/interface for their vehicles, that is one thing. Volvo has based their interface on Android, others use a Linux-based system, etc. Not saying GM has to develop it themselves. But the vehicles built in systems should be well developed and usable. It's why I don't miss Carplay in my Model 3. Tesla's interface provides everything I used Carplay for in my Camaro. Navigation is up to date without paying for it, got streaming options, phone interface works well, etc. I have zero reason for wanting Carplay. Don't let manufactures get away with crap just because they allow Carplay and you don't have to interact with a slow or poor and cumbersome UI that comes with the vehicle.
 
IIGS User said:
I like the idea of what Tesla is doing, and I think their product breaks a lot of new ground. I think eventually companies like Toyota, Nissan, GM, and Ford are going to eventually end up owning this segment (EV) of the marketplace due to the sheer volume of units they can produce, the resources they can throw into R&D, and a biggie. Quality control.

People don't want to pay a premium price for a product and get crap. Look at cable gate and the butterfly keyboard. People expect things to work when they pay a premium price for things.

Premium pricing usually brings with it an air of exclusivity and an expectation of superior product quality. Lately, Tesla has had some serious fit and finish issues with their products, and right now the people purchasing them are essentially early adaptors who are willing to put up with this in exchange for the panache that comes with something new.


When Nissan is making an electric Maxima that has more range, a lower price, better service, and superior fit and finish Tesla will be done. Probably bought up by GM or whatever investment fund is propping up Chrysler these days.

When it comes to insurance, I don't want panache or early adaptation. I want financial protection and service.

Good insurance is as boring as whale excrement until you need it. Then it's about service, service, and service.

I wouldn't buy car insurance from ANY auto maker. Let alone Tesla...
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Go to JDpower (https://www.jdpower.com/business/press-releases/2021-us-auto-insurance-study) to pick what insurer is the best. It’s not all about price and stupid commercials touting geckos, Flo or a oversized bird.
As a former underwriter with 30+ years experience, I know).
 
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IIGS User said:
I like the idea of what Tesla is doing, and I think their product breaks a lot of new ground. I think eventually companies like Toyota, Nissan, GM, and Ford are going to eventually end up owning this segment (EV) of the marketplace due to the sheer volume of units they can produce, the resources they can throw into R&D, and a biggie. Quality control.

People don't want to pay a premium price for a product and get crap. Look at cable gate and the butterfly keyboard. People expect things to work when they pay a premium price for things.

Premium pricing usually brings with it an air of exclusivity and an expectation of superior product quality. Lately, Tesla has had some serious fit and finish issues with their products, and right now the people purchasing them are essentially early adaptors who are willing to put up with this in exchange for the panache that comes with something new.


When Nissan is making an electric Maxima that has more range, a lower price, better service, and superior fit and finish Tesla will be done. Probably bought up by GM or whatever investment fund is propping up Chrysler these days.

When it comes to insurance, I don't want panache or early adaptation. I want financial protection and service.

Good insurance is as boring as whale excrement until you need it. Then it's about service, service, and service.

I wouldn't buy car insurance from ANY auto maker. Let alone Tesla...
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It’s obvious how little you know about EVs if you think Nissan (of all companies) can just waltz right in and make a better EV than Tesla. They can barely sell their gas cars without offering subprime loans to anyone with a pulse.

Tesla’s lead doesn’t just exist in the actual car, but they also have a substantial lead in EV manufacturing, battery production, and battery supply chain. It’s not easy at all to move an entire Goliath of a ICE supply chain/manufacturing over to electric in a matter of a few years. It takes an enormous investment to do this and Tesla has a ground up EV advantage. These ICE automakers also have debt loaded balance sheets that they invested in their current supply output. To say they have more resources just because they’re older is not right.

I’m not saying Tesla will monopolize the market, but they’ll have a material chunk of the future car sales based on where everyone is today, probably ending in the top 5 or so. Yes their panel gaps suck, but that’s a lot easier to fix than it is to open multiple EV and battery production facilities for billions of dollars.
 
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dominiongamma said:
Hell carplay should be in telsa, I know few people who refuse to buy them just because they won’t support CarPlay or android auto
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I’m looking strongly at the VW ID4 for this exact reason. If I am paying top dollar then I want the best in-dash experience. Tesla does not offer that in my opinion.

I got my feet wet with the new top-end Nissan Leaf and it does the job of a daily commuter with some nice tech options including an autopilot feature and CarPlay. Looking at the upcoming Nissan Arriya and the VW ID4 for my next car (now that I am comfortable owning an electric without having invested too much money in one).

Incidentally, I think it is best for a bigger family with multiple cars to keep at least one gas vehicle in the stable. Preferably something larger for road trips. The EV industry is starting to go bigger size and range but that comes with a much higher cost. You can eliminate most of your gas usage and carbon footprint by driving your EV around town and on short road trips and save a ton of money by keeping the bigger road trip vehicle on gas especially if you only use it 4 to 8 times per year. This is especially true if you want to tow anything. Also saves you recharging time (and waiting for a recharging station on a holiday weekend) while on the road.
 
yanksfan114 said:
It’s obvious how little you know about EVs if you think Nissan (of all companies) can just waltz right in and make a better EV than Tesla. They can barely sell their gas cars without offering subprime loans to anyone with a pulse.
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I agree that Tesla has a certain “caché” and a bit of head start on most auto manufacturers (especially Honda which is my old favorite but is horribly behind in the EV space). However, if any auto manufacturer stands a chance it may actually be Nissan. When California law required auto manufacturers to produce an electric, Ford, Chevy, Honda and most just retrofitted a small compact with an electric drive train. Nissan actually produced the Leaf in 2011 as an all-electric from the ground up. Mind you, the Leaf was weird and ugly until 2018, but they stuck with it and invested in it. The upcoming Nissan Ariya looks nice. Toyota seems to be the king of the hybrid and has finally moved into plug-in hybrids in recent years. Kia and Hyundai have some nice early entries but these are cars that are OPTIONALLY an EV and have the batteries where the gas tank would go which throws off your steering and sends your groceries around the trunk with excessive g forces when you take a turn. Also, Kia’s one pedal driving is weird — requiring you hold a steering wheel paddle to prevent idling forward if you so much as tap the accelerator or brake after coming to a stop.

Anyway, Nissan’s Leaf is solid and well priced and lacks so many of the stupid quirks you get from a gas car converted to an EV.

Anyway, I am excited to see the upcoming options and who actually gets their design teams doing actual EV’s rather than “optional” EV’s for those of us who don’t want to spend $70K or more.
 
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