Some time ago, domestic new energy exclusive car insurance has been launched, and many new energy car owners have reported a sharp rise in premiums. There is no doubt that the insurance cost of the vehicle, compared with the charging cost, has become the largest car cost for new energy vehicle owners.
In the US market, Tesla has also launched a self-operated insurance service to meet the needs of car owners for insurance services.
It is reported that Tesla's insurance business has been launched in Illinois, Texas and California, but because of the laws of each continent, the insurance contract coverage is also different.
According to Tesla officials, it plans to provide insurance services for customers around the world in the future, and some states can save drivers up to 30% of the cost.
However, according to current surveys in some states, Tesla Insurance Services insurance service is not the lowest price in mainstream insurance.
But Texas is an exception, Tesla car insurance is the lowest price choice for mainstream car insurance, because Tesla's calculation of premiums and Tesla owners' choice of vehicle features are linked to premiums.
Vehicle function is linked to premiums, mainly because Tesla Insurance provides peripheral contracting business: 1. Automatic driving owner liability insurance, when an accident occurs when ap and higher functions are turned on, it is the same as the amount of compensation for natural person driving;
2. Cybersecurity fraud insurance, with a maximum amount of US$30,000 for a single policy; 4. Household wall charger insurance, up to a maximum of $3,000 payout; Electronic key insurance, up to $500 usd for lost keys.
In terms of the most core premium formulation, Tesla has its own calculation method, including 5 core dimensions, scoring the driver and giving the corresponding premium figure.
The five dimensions are collision warnings per 1,000 miles, sharp braking, aggressive driving, unsafe follow-up distance, and the chance of forced departure from the autopilot system.
The safety score system will be promoted with Tesla's algorithm, and the underlying logic will not change: "If you believe tesla, you should trust its rationality."
In other words, the more aggressive the driving style, the higher the driving risk, the higher the cost price of Tesla insurance, and vice versa.
