Drivers who ditched petrol and diesel to help save the planet face huge price rises in premiums

  • shastaxc@lemm.ee
    link
    fedilink
    English
    arrow-up
    26
    arrow-down
    2
    ·
    1 year ago

    TLDR: don’t get a Tesla. Get literally any other EV if you want an EV.

    • Brickhead92@lemmy.world
      link
      fedilink
      English
      arrow-up
      6
      ·
      1 year ago

      This was us a couple years ago. Budgeted for a Tesla as a 2nd vehicle, did a test drive, looked into things like insurance and servicing more closely and noped out of it. At the time it was about $3200 a year to insure a Model 3.

      Instead of getting a single car, I got a Hyundai EV, and we traded in the old Toyota Hybrid as well and got a plug-in hybrid for less than the Tesla would have cost us. Plus insurance for both is about $1000 less than the Tesla alone. The math didn’t make sense.

      • HeartyBeast@kbin.socialOP
        link
        fedilink
        arrow-up
        5
        ·
        1 year ago

        It’s interesting. My next car will be electric, hopefully. It’s never even occurred to me until now that the insurance would be hugely different

        • shastaxc@lemm.ee
          link
          fedilink
          English
          arrow-up
          2
          arrow-down
          1
          ·
          1 year ago

          It’s not really for any normal car (not Tesla). I have a Kia EV6 and Kia K5 (not an EV) and the insurance premium is $310.87 (covers both cars, 2 drivers, in Florida). The insurance on the K5 alone, for one driver was about $180 before that.

            • shastaxc@lemm.ee
              link
              fedilink
              English
              arrow-up
              3
              arrow-down
              1
              ·
              1 year ago

              It is relevant because Florida has the highest car insurance rates in the entire US https://www.bankrate.com/insurance/car/states/#car-insurance-rates-by-state

              It should be relevant to anyone in the UK by using it as an upper bound for what their rates should be. Why would car insurance be higher in the UK than in Florida? The UK doesn’t even have any natural disasters.

              So the point I’m making is that having a non-Tesla EV in Florida doesn’t even put my insurance rates above the average in my state, so the article’s claim that EV’s would add an EXTRA £5000 to an insurance policy in the UK is ridiculous.

              • HeartyBeast@kbin.socialOP
                link
                fedilink
                arrow-up
                6
                ·
                edit-2
                1 year ago

                You seem to be assuming that the increased expense and slow repair times are to do with natural distasters, rather than differences in the labour market, spares availability, infrastructure and a hundred other economic and societal differences

              • thanksforallthefish@literature.cafe
                link
                fedilink
                English
                arrow-up
                3
                ·
                1 year ago

                Except car insurance is dearer in the UK than Florida, in fact I was shocked by how expensive insurance here was compared to the other countries I’ve lived in (including the US).

                I’m not an actuary but I do know there are a lot more parameters to come to an insurance cost than “number of hurricanes”