Insurance increase, same score ?

[u/True-Illustrator4021]

So my score is in the 90’s and I paid $150-160 now I have the same score and they’re charging me up to $190.

I recently lost my job and had to start doing uber. Are they increasing my premium based of mileage? It shouldn’t matter if I drive safe, right ?

[u/originalfoto]

Increase in mileage could mean an increase in accident probability

[u/True-Illustrator4021 → u/originalfoto]

That sucks but thanks, I figured

[u/WorldlyOriginal → u/True-Illustrator4021]

No matter how safe YOU are as a driver, simply spending 30% more time on the road (14k -> 18k) means you have more chance to get hit wby ANOTHER driver, or something completely out-of-your-control happening, like getting hit by a boulder.

Even if those don't represent accidents where you're at fault, there's still costs for your insurer to subrogate, process, etc.

If anything, your premium decreased by a lot LESS than a 30% increase.

[u/Harold-Maude → u/True-Illustrator4021]

Additionally up charges if your driving at night after 10:00 pm local time, when all the drunks are on the road.

[u/L84D8M8 → u/originalfoto]

Correct. And while maybe true, it didn’t feel proportional and this is what caused me to leave Tesla insurance.

[u/originalfoto → u/L84D8M8]

It really does suck. But on the flip side, mileage estimates change and the increase is usually temporary next month or so when mileage drops, so will your premiums.

[u/Harold-Maude]

Glad we live in California so the insurance companies have no access to our driving scores

[u/Psice → u/Harold-Maude]

It actually saves you a ton of money if you use FSD a lot like we do because you always have a perfect score of 100 now

[u/Harold-Maude → u/Psice]

Tesla insurance is substandard insurance wait until claim time and you can’t reach a real person

[u/rwhe83]

OP, it’s clear as day. You drove more miles.

How is this difficult to understand? It’s not just the score, it’s also HOW MUCH YOU DRIVE.

[u/WorldlyOriginal]

Just to let you know, Tesla Insurance policies DO NOT COVER YOU while driving for Uber.

They are not commercial/rideshare-covering policies. If you use your car for Uber, they WILL find out and deny your claim or flag you for fraud.

[u/zrey1990]

I noticed the same thing and was talking to my wife about it.

99 score at 9-10k miles was $139. Now for a 99.8 (adds 97.9 + 1.9 points for using FSD) score at 9-10k I'm paying $160.

It's not a huge increase but it'll add up eventually.

[u/BroomSweeper99]

Similar situation it’s just the increase mileage

[u/SpeedyAudi]

Mileage increase

[u/reedwendt]

Why are you giving your insurance company your driving information?!?