Tesla Cybertruck Owner Says the Insurance Agent Who Quoted Him $400/Month Got Fired for Underquoting, and State Farm Is Doubling His Premium to $800/Month

State farm increased my monthly by over $30.00. Why? Because last January I had a roadside assistance to jump my cold car. Essentially wanting me to pay $400 extra a year for a guy who came out and had no clue how to jump a car and didn't get it started because he used a tiny little battery jumper! I left State farm and save $1000 every six months same coverage Geico.

Thats what you get for supporting elon musk and tesla, simp. Go buy a Nissan Leaf or STFU about it

This is what happens when you buy a vehicle that is so heavy that it is classified as a 'commercial vehicle' for insurance purposes. No one has any reasonable cause for complaint, it has been widely documented on Cybertrucks and Hummers for quite some time.

First off, I think you’re all nuts, who owns the cyber truck? I mean you all well and bought a piece of junk and it looks like garbage can. Did you not think that insurance rates would go up with something like that it’s a no-brainer. Did you not think that all that stupid metal on there it cost a fortune to repair? Stop complaining

In California it cost 400 dollars a month to get full coverage on cyber trucks. State farm is notorious for these practices or it could be the individual hates Elon musk

cybertruck owners should also pay about a thousand per month stupidity tax, payable to a good local charity.

Do the right thing and get rid of that ugly monstrosity.Besides,driving around in that thing just reeks of the asshole Musk.

The reason they're charging so much to insure a cybertruck is the same reason they charge so much for teenage drivers, people with duis, people with speeding tickets/wrecks, etc. IT'S BECAUSE OF STATISTICS. IT'S SIMPLE MATH. When they plug in the numbers, it tells them where they need to be in order to hit a certain profit margin, and that's the number. There's no thi king involved (other that by the person/people who created the program/algorithm that determines what price to charge).

If you can afford a Cybertruck, what's the big deal of paying $800 a month for insurance? They're high risk vehicles for owners and pedestrians.

I pay 480 a month and I have the model 3 2020 in Massachusetts

Poor Jake. Getting what he deserves. Everyone’s a big shot bragger until it’s time pay. Big eyes, small wallet, tinier p…

Wow. $800/mo is insanely cheap to insure a deadly weapon that literally endangers everyone around the "vehicle". It has razor sharp edges designed specifically to rip pedestrians to shreds and can't pass the most basic safety tests. Tesla gets around this by lying, by certifying that it would prove safe but they refuse to let the piece of deadly crap to be tested. It's "experimental" and "low volume".
Sue the heck out of Tesla. Get the kitchen knife CT off the road!

A fool and their money are soon parted.

If you want to drive around in a rust bucket that can't get through basic snow and might lock you in the car then I guess you're going to have to pay higher prices for your insurance.

It's not the vehicle and it's not State Farm that's the issue. If this guy's premium is that high and it's the LOWEST he can find them it's his driving record and his own insurance history that's the problem. He either has a garbage driving record, spent time without insurance (gaps in coverage drive your premiums up!), or both. It also matters where he lives as crime rates in your neighborhood factor in as well. People think insurance premiums are black and white and are unfair, but there is a lot that goes into analyzing the risks associated. This is why somebody else with the exact same make and model of vehicle will have a significantly lower premium. You have speeding tickets? Premiums go up. You're a new driver? Premiums go up. You spent two months without vehicle insurance? You just doubled your premiums. Have you had a large insurance claim in the past? Yep, your premiums go up for that too. You park your vehicle on the street instead of a garage? That too will affect your premium. State Farm is not "overcharging" you. They are charging you based on a mandated scale, and it has a LOT to do with your own history as a driver. A premium this high tells me this is a guy with a long history of recent (over the last five years) driving offences, or somebody who hasn't had insurance for a while. And claiming the first agent was fired for underquoting him makes me think this is a person who just doesn't think the rules should apply to him, which makes me lean more towards believing it's his driving record above anything else that is the problem here.

This article is an absolute embarrassment. Ten minutes of my life wasted on what can only be described as a brain-numbing loop of the same sentence, regurgitated in slightly different words like some cheap word-salad generator. Calling this “journalism” is an insult to anyone who has ever put thought, effort, or talent into writing. It reads less like an article and more like the pathetic result of a bar bet—“Hey, I dare you to write the same empty statement nine times and see if anyone notices.” If that was the goal, congratulations to the author: you’ve officially produced the literary equivalent of garbage juice.

I've been with State Farm for years. I check with competitors regularly to keep them honest but they've been the lowest for 2 decades. Maybe it's apples and oranges but one of my vehicles it's a 2015 Corvette Z51 Stingray and I pay $465 for 6 months

LOL - $2167 a year - LIABILITY ONLY. Louisiana sucks.

That's why you don't do business with State Farm

My question would be does he live near the Gulf Coast?

People complain about rates for insurance frequently, & many complaints are valid, but ANY EV is a nightmare for the insurance industry. Repairs, parts costs, plus many times EVs are a total loss after a relatively minor accident. So of course insurance companies are going to charge more. Insurance companies operate on the use of actuarial tables, they don't guess as to what to charge! If you want to buy crap AND insure it, be prepared to pay higher premiums.

Too many factors & variables that determine cost. How many miles per year is it driven? what limits of liability, $30k, $100k, $250k? what about deductibles? one person could have a $500 deductible and another person could have a $5,000 deductible. One cyberteuck could be an “extra” vehicle used for pleasure while another cybertruck is used to commute 200 miles, round trip, 5 days a week. this $800 per month for insurance premium has to cover a $135k cybertruck, while the $200 per month insurance premium covers a $80,000 cybertruck thats maybe 2-3 yrs old.