One of the biggest downsides to owning a Tesla (aside from other people knowing you’re willing to give) Elon Musk money) is that they can be extremely expensive to repair after being wrecked. The result is, Your Model Y can be summed even if the damage seems small and the range is low. Insurance companies also charge premiums for Teslas and other electric vehicles. Tesla Insurance is supposed to fix that problem for owners, but if you often drive at night, it may not be the original solution.
In case you lost it:
CD driver report since then Tesla Insurance oversees everything you do while driving, it also knows what time of day you have been driving and it will penalize the owner if driving at night. The more you drive between 10pm and 4am, the more you pay. And while there is a relatively small penalty for driving between 10 p.m. and 11 p.m., at 2 a.m. the penalty is significantly higher.
At first glance, that sounds ludicrous, especially for safe drivers. But other insurance companies that offer discounts in exchange for monitoring drivers have similar policies. EQUAL CD driver pointed out that the majority of fatal car accidents happen at night. If you regularly drive late at night, no matter how safe a driver you are, it means the insurance company won’t give you that much discount. Especially since in many places, 2 am is when the bars close, so the proportion of drunk drivers on the road is higher.
It may not be ideal for people who get home late or have to get to work early, but there’s a reason why Tesla Insurance will charge a little extra for those drivers. After all, car insurance is a business like any other.
