How Much Does 2019 Tesla Model X Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Looking for cheaper insurance coverage rates for your Tesla Model X? Buying insurance coverage online can be complicated if you are a beginner to online price quotes. But don’t just give up because comparing quotes is actually very simple.

Pricing more affordable coverage is simple if you know the tricks. Basically, everyone who carries insurance will more than likely be able to find lower rates. But drivers should learn the methods companies use to price insurance differently and apply this information to your search.

How to buy auto insurance online

To find affordable insurance quotes, there are several ways to get quotes from different insurance companies. The quickest method to do a complete rate comparison is to use the internet to compare rates. This can be done in a couple minutes as outlined below.

  1. Hands down the most simple method to find the lowest comparison rates is an all-inclusive rate comparison. This type of form eliminates the need for multiple quote forms for every auto insurance company. A single form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  2. A different way to find better pricing is going to each individual company website and fill out a new quote form. For example, we’ll pretend you want to compare rates from USAA, GEICO and Farmers. In order to get each rate, you would have to spend time on each company’s site and repeatedly enter your information, which can be really labor intensive.

It’s up to you how you get prices quotes, just be sure you’re using nearly identical coverage limits and deductibles on every quote. If you have differing limits then you won’t be able to decipher which rate is best. Just a small difference in insurance coverages could skew the results. Just keep in mind that obtaining a wide range of quotes helps you find the best price. Not every company does rate quotes online, so it’s important to also get price quotes from them, too.

Find hidden discounts on insurance coverage

Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Certain credits will be shown when you purchase, but some may not be applied and must be inquired about before you will receive the discount. If you do not check that you are getting every discount available, you are throwing money away.

  • Discount for Life Insurance – Select insurance carriers reward you with a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
  • Active Service Discounts – Being deployed in the military could be rewarded with lower premium rates.
  • Discounts for New Vehicles – Insuring a new car is cheaper due to better safety requirements for newer models.
  • Student in College – who are enrolled in higher education away from home and do not have a car could qualify for this discount.

You can save money using discounts, but many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your insurance coverage premiums.

Large insurance coverage companies and their possible discounts are outlined below.

  • 21st Century offers discounts for 55 and older, automatic seat belts, good student, driver training, air bags, early bird, and teen driver.
  • Progressive discounts include online signing, homeowner, online quote discount, multi-vehicle, multi-policy, continuous coverage, and good student.
  • State Farm may include discounts for accident-free, multiple autos, passive restraint, anti-theft, multiple policy, and Drive Safe & Save.
  • Nationwide policyholders can earn discounts including anti-theft, multi-policy, defensive driving, good student, Farm Bureau membership, and family plan.
  • Esurance offers discounts including DriveSense, emergency road assistance, homeowner, Switch & Save, good student, and good driver.
  • The Hartford includes discounts for vehicle fuel type, good student, driver training, defensive driver, anti-theft, and air bag.

If you are trying to find low cost insurance quotes, ask each company which credits you are entitled to. Some credits may not be available in every state. If you would like to choose from a list of companies who offer discounts, enter your zip code here.

What determines Tesla Model X insurance prices?

Many things are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving record, but some are more obscure such as your credit history or your commute time. A large part of saving on auto insurance is knowing some of the things that come into play when calculating your premiums. If you know what controls the rates you pay, this enables you to make decisions that can earn you big savings.

  • Long commutes cost more – The more miles you rack up on your Tesla in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies apply a rate determined by how the vehicle is used. Vehicles that do not get driven very much can get a lower rate than those used for commuting. Verify your vehicle rating properly reflects annual mileage, because improper ratings can cost you money. An incorrectly rated Model X may be costing you.
  • Never let your auto insurance policy expire – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance can result in fines and jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Optional features impact premiums – Buying a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Liability coverage limits are a factor – The liability coverage on your policy will provide protection if a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides legal defense to defend your case. It is affordable coverage compared to comp and collision, so do not skimp.
  • Gender and insurance – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean women are better drivers. Both sexes tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.
  • Insurance rates in urban areas – Residing in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer people translates into fewer accidents. People who live in big cities have to deal with traffic congestion and longer commute times. Higher commute times translates into higher accident risk.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions can help discover if your situation might need professional guidance.

  • When would I need additional glass coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I sign the liability waiver when renting a car?
  • Do I need an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • Am I covered when using my vehicle for business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have newly-acquired coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out your zip code.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision insurance

Collision coverage covers damage to your Model X caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This provides protection from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for rehabilitation expenses, doctor visits, chiropractic care, ambulance fees and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2019 Tesla Model X.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hail damage, fire damage, hitting a deer and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage on a shoestring budget

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, lack of trust in their agent and even poor customer service. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford.

Discount 2019 Tesla Model X insurance can be sourced on the web and from local agencies, so you need to shop insurance with both to have the best selection. Some insurance companies may not offer online rate quotes and many times these small insurance companies work with local independent agencies.

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