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...