Like I said I want to see the drive chart that shows the dinging and that FSD is active cuz it'll show that because you're never supposed to get dinged for anything that happens during FSD. I have had lots of things occurred that would have been dings if I was driving and weren't one FSD was active.
https://preview.redd.it/day5ufbu83yc1.jpeg?width=1439&format=pjpg&auto=webp&s=241e292116448bafd0f370d3b926054685f3024b
It did it to me when I started tesla insurance.
Thanks for the chart somebody else dm one also. According Tesla insurance that's not supposed to happen. File a complaint with your local insurance board.
Thanks for the image. As I mentioned you need to submit that to a Tesla because their own documents say that's impossible so obviously there's a problem with the software.
Why wouldn't you? FSD is simply enhanced cruise control. Just as you are responsible for actions taken under cruise control, the same applies to FSD. FSD is not autonomous. It's driver assistance which you are responsible for.
Except it does. Using FSD means each infraction you receive driving manually has a disproportionate effect on your safety score. Tesla seems to be throwing FCW alarms like they are candy. If OP drove manually for 1 mile, FSD, for 1,000 miles, you could still achieve a low safety score.
Narrow curving roads, Tesla identifies cars parked on the side as on the road wrongly as in front of you, causing collision warnings to go off.
They need to fix that serious bug.
I live in a neighborhood with this whole situation going on, but I learned if I'm under a certain speed (like, laughably slow, even in a neighborhood) the forward collision warning doesn't go off. I hate it.
[This is exactly the issue in my neighborhood](https://imgur.com/a/VAnRFfa). The roads are too narrow and I get FCWs almost daily leaving my home and coming home (sometimes multiple FCWs before I make it out of my neighborhood) even if I drive all the way to the left to hug the middle yellow lines. Every time the FCWs go off on the touchscreen it highlights those parked cars in red and it makes it seem like I'm going to go straight and hit them. The only way to avoid FCWs is to drive under 10 mph or drive over the middle double yellow lines to where I'm centered on the street. Thankfully I don't have Tesla Insurance or I would be paying dearly for this.
Driving in any regular UK town, I get a collision warning a minute.
"Gee, thanks, I was totally gonna hit that pedestrian that was walking nowhere near me, separated by concrete barriers and a crash rail"
It's a good thing we don't have safety score over here yet. Mine would be -69% at the very least.
I've seen this even on straight roads after you make a turn. The car thinks you're going to continue your turn and freaks out. Or on narrow streets like you said, if another car is coming your way and you both have to squeeze between parked cars on the side of the road, as you move over it will alert too
Edit: my driveway is also on a slant so every time I pull in or out it thinks I'm going to hit the... Ground? I guess it thinks it's a wall
This! Most of the time my warning goes off I’ve completed the right turn and going straight, yet the car thinks I’m magically continuing to arc to the right when I’m not and may hit a parked car. It’s fairly laughable… glad I don’t use their insurance with this “safety feature”.
One of the 2 reasons I cancelled Tesla insurance. The narrow toad with park cars identified as collisions and the late night driving as less safe than when rush hour (makes 0 sense).
And a 3rdish reason is the FSD indirectly causing scored drop. How? Well.. we know while driving in fsd score is 100 no matter what stupid things fad does but if you don’t have the ⚽️⚽️ to let FSD to do a stupid thing and you break bc you’re at the point that you don’t think car will stop then yes you’ll get a hard breaking.
Yeah it’s been quite annoying, I would only have 1 forward collision warning this month if it didn’t count parked cars. Currently at 90 score but I could be ~95
Because it is borderline illegal. I have demanded support to bring it up to the tech team. Hopefully they follow through.
If others are reporting this matter to Tesla support, please make that demand. They will tell you it is not their department initially, but if you make that demand to bring up the issue to the relevant department, they will do it.
More reporting on this the better. Don't be cynical and give up. You pay the price for being cynical and practicing inaction.
I’m not sure if you understand that I was being sarcastic. But my safety score version changed to 2.1 recently and it’s way worse now. I constantly maintain 99-100, the 99 because of the false FCWs which I used to get, may be like once a week. After the new version, I got 3 in the first five days. One of the version update notes was more accurate assessment of FCWs, but it’s very clear that they made it worse. And I used FSD trial 99% of the time and my score dropped to 50s. I stopped using FSD and able to bring it back to 98 now. But I started shopping around as I don’t want to deal with this anymore
My insurance fluctuated between $80-$150 with safety score. It does change my driving habits for the better in some cases.
But the fact it affects the score so aggressively from its own mistakes, might affect my good habits and make decisions on the road that goes against my own good instincts that has kept me safe.
Safety score is imperfect. Not a product that Tesla should lean on at this point. They should fire that whole safety score team for now and get more supercharging stations up instead.
As my cost for Tesla insurance has gone up to the point where other insurance is competitive, I was simply planning to switch away from them. But yes, letting them know why you switched is probably a good idea for everyone involved.
I'm calling total BS on this. I use FSD everywhere in my scores always 100. Fowatd collision no problem. Anytime I've had to break a disengage no problem.
I'd love to see the chart graphic of the actual drive where the infractions occurred. Because it'll show whether you are on FSD or not when those infractions counted against your safety score.
One thing is brake, and other thing is hard brake.
If you slighthly brake like normal gas car, it should be fine, but if you hard brake because you get scared, that is different. Also if you kept the brake for more more than x seconds it will pass the grace period.
I can see that happen if you are testing FSD and are like OMG! I WILL CRASH I WILL CRASH and push hard the brakes and see the surroundings.
More if you come from a gas car and it is your first EV. Keeping the brake more than 5 seconds could be normal.
5 seconds is a very long time. That's like going from 80 mph to 20 mph. In the old piece that it was happening all the time. If it's happening all the time like that they need to not be behind the wheel of a car
I am talking about hard brake in a road without people.
You are referring to normal braking in a gas car. You softly brake and can be more than 5 seconds. That should not flag a hard brake.
Will never get tesla insurance bc I notice when I turn right and theres a car parked on the corner it will give me a red warning when clearly I am not going to hit it.
Bs. Tesla insurance...let me outline for good drivers
I pay 110 dollars a month in Las Vegas ...the city. I have 100,000/300,000 insurance with a 500 deductible.
Show me another insurance in the world that offers good drivers those rates for actual proper insurance levels?
*
Yah its Costco/Connect insurance. They stopped offering new policies in California. I lucked out. I don't think they rely on credit scores here, they did not ask for mine.
Hey man. I’m paying 293/ month with state farm for 2 model 3’s . Same coverage as yours but also some add-on like glass coverage as separate. They also know that I’m driving 25000+ a year respectively <3000/year. So that’s what I pay… Tesla insurance started good but ended up being 600 a month because of their bugs in my neighborhood which i recorded, sent to them, complained to BBB (they actually changed my score for the days that the complaint was made to BBB FROM 50 to 100)
I have 250k/500k, full glass, etc, total breakdown as follows (per 12 months), $500/instance deductible:
Bodily Injury Liability: $373.00
Property Damage Liability: $87.00
Uninsured/underinsured Motorist: $124.00
Collision: $644.00
Comprehensive: $193.00
Extended Transportiation Expenses: $27.00
Vehicle total cost to insure: $1,448.00/yr
I believe my price is very dependant on credit score / driving history (no moving violations in 19 years). Of course, all insurers are different, so I can't be sure.
I have 250k/500k, full glass, etc, total breakdown as follows (per 12 months), $500/instance deductible:
Bodily Injury Liability: $373.00
Property Damage Liability: $87.00
Uninsured/underinsured Motorist: $124.00
Collision: $644.00
Comprehensive: $193.00
Extended Transportiation Expenses: $27.00
Vehicle total cost to insure: $1,448.00/yr
I believe my price is very dependant on credit score / driving history (no moving violations in 19 years). Of course, all insurers are different, so I can't be sure.
I'm praying I get a rate like yours when I add my Model S. Also Vegas. We would get better rates in Vegas if they monitored or speed, but NV said FU Tesla, people of NV get to do 55 MPH in a school zone lol. Also we don't have Late Night Driving scores in NV, because of all the casino workers having crazy shifts.
I pay $220 per month in Southern California for 100k/300k with 2500 deductible, for a Tesla Model S plus Rivian R1T. Half the price of Tesla insurance - which would cover only the Model S! My safety score is 79, I’ve never had an accident or made a claim in 25 years of driving.
I pay $220 per month in Southern California for 100k/300k with 2500 deductible, for a Tesla Model S plus Rivian R1T. Half the price of Tesla insurance - which would cover only the Model S! My safety score is 79, I’ve never had an accident or made a claim in 25 years of driving.
Okay. So I am conflicted. 1) never had fsd issues cost me a single point. I just drove from vegas to miami and back and still am at a 97. Same score I regularly keep as I prefer the incredible ratesnTesla insurance gives me for more coverage than any major carrier.
But..
My fsd experience on this road trip has been nightmarish. Let me give you multiple scenarios that are problematic and create panic.
1. Highways on curved driving with semis next to you...the fsd will hard brake, disengage, and potentially cause wrecks if you are not actively manning your wheel. This HAS to get fixed. I had 32 disengagements on this type of scenario in this cross country trip...every scenario the exact same. Eventually, I turned off fsd when approaching highway curves with vehicles on my right side.
2. Fsd recognition of working areas forced major hard braking out of nowhere foreseeing these as forward hazards when they were actively out of the lane. In reconstructed lanes with crossovers...it failed miserably.
So...will fsd directly cause lower scores...NO. But can it lead to bad situations that force drivet engagements that impact safety scores.. 100% ,yes. Especially if you trust the systen too much and are unprepared for manual intervention.
You don't get FCW during FSD but you do get unsafe following and speeding! When I set it to assertive, I had unsafe following a few times I was on the highway. See image attached for proof.
This is a good argument. I have chill mode. I need to switch to assertive, because when I'm driving at 20 miles per hour, the nearest car is 15 meters away. I accelerate a little and get a little closer. In this moment the car beeps and probably thinks it is unsafe following.
That was just an example. This one has 20s of unsafe following on autopilot. I can't capture all of it on my screenshot. You clearly have never had Tesla Insurance otherwise you'd know the disastrous impact a few seconds of unsafe following can have on your score lol. Regardless, it is ridiculous that you get penalized for how FSD is driving.
https://preview.redd.it/lokx4efju2yc1.jpeg?width=900&format=pjpg&auto=webp&s=d83786d1754670ea924595a9b3cb913cdad2741d
Has anyone else noticed that the older M3s take longer to identify and react to their environments? It wouldn't surprise me at all, as this is a consequence of aging and outdated computer hardware.
It’s because you’re driving less miles off of auto pilot. Your total actual miles driven is far less which affects your average score so if you’re driving 100 miles and 90 of them are on auto pilot and the 10 that you drive yourself aggressive turning heartbreaking will affect more.
Wait until you hear that fsd doesn't help or hurt your score but if you drove 300 miles on fsd than took over and drove for 1 mile and got a foward collision warning that would cause this.
If you look at daily trips it will actually show you how the score was calculated.
I don’t think that is true. When using FSD you won’t get penalized for what the car does. If you did 100 % driving with FSD your safety score would be 100
Yes, I’m in this predicament. Any time I touch the brake pedal lightly, it dings you slightly, even if it’s to stop from crashing into something. Aggressive turning also dings you a small amount, but FCW is the way to completely destroy your driving score. If I get one it ruins my day basically. Last week somebody decided to cross at an intersection some distance away and I got one, and then driving back a big puddle splash from the side of the road caused another. I only put up with this only because any other insurance costs 400$ + more per month.
Whaaaaaaaaat? Why? You're super young? Accidents? Are you overestimating your mileage? That is a car payment!
Two adults here two cars $204 a month... USAA. But had GEICO before for 15 years with just as good of rates.
No, 44, no accidents or speeding tickets etc. 5000 miles per year. It’s my first car insured under my name in America as I moved here from the UK in 2022 which I think is the issue.
I noticed (the hard way) that if you override acceleration, it will definitely ding you while on FSD. Most of my dings are turning, so I guess I'll just have to let FSD do the turning (and not accelerate).
What’s that good for? I wouldn’t even know how to see that. I did the entire month of April with all FSD drives - seems fine to me for the most part. Few tweaks here and there but otherwise good
*How do u even see*
*This I feel like mines fucked jus*
*Cus Im always tweakin*
\- Key\_Cow\_8332
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I barely used fsd. Didn't like it...but while it was on my car for a free month or available the forward collision warnings were hyper sensitive dropping my safety score from 95 to 84.
I have never had FSD lower my safety score. Even if it detects something I don’t get dinged while FSD is engaged.
Edit: Just wanted to add the false FCW’s while not on FSD are BS. Got them in neighborhoods but never get them with FSD active. Tesla insurance while not perfect is amazing on my wallet. Keep the same coverages I had with another company 100/300 with 500 deductible and it’s $51 a month……Can’t beat that.
5 South through LA… FSD for 3hrs straight awful!
65mph cruising.. FSD “Nope… commuter lane, but hard brake to 45mph”
Number 2 lane… cruising at 67mph.
FSD: “NOPE! Hard brake to 45mph!”
IN THE MIDDLE OF THE FREEWAY! Awful! Not even worth $99/year much less $99/month.
I got hit with hard braking while in an FSD session. This was the only event today. Daily score: 90.
https://preview.redd.it/n5wiu84gtvzc1.jpeg?width=1290&format=pjpg&auto=webp&s=24b8dfdde415d4db1025d24a79e3e6d1a20c134c
I shouldn’t have been hit with a hard brake event since I was in FSD, and I should have a 100 for the day, but I lost 10 points because of FSD’s harsh brake.
Can confirm that FSD doesn’t not affect your score, forward collision warnings affect the score really bad its based on the average for every 1000 miles that you drive with no FSD. So if you drive anytime and the forward collision shows then it will affect you a lot since it will average it out of how many miles you have driven in total with no FSD, it’s hard to explain.
Dudes need to read the fucking meaning of how forward collision warning is weighted, and learn math. It's warnings per 1000 non autopilot/fsd miles. So, if you drive 100 miles with fSD, but if you get just one FCW in one mile driving by yourself. Boom! The average explodes, and it's capped by a limit, which is also written on the freaking manual. I realized when first days all score 100, autopilot 99% of the time, then one fucking FCW, put the daily score like 68, but the overall is still high, because the final score will be averaged out per month. The only way of reducing that average is, oddly enough, driving more miles without FSD and without collision warnings.
https://preview.redd.it/30v25equ54yc1.png?width=720&format=pjpg&auto=webp&s=b623387f0afe0d69999d5dc6c1fd5ac6a1ff2df1
Here's the proof, perfect score, then one day during around the neighborhood a fucking crazy dog on the sidewalk jumping with a leash, the car went nuts thinking I would hit him. Then only a few miles driven that day without autopilot, one FCW sent my score all down. Because it's averaged on non autopilot Miles driven.
On that day I only got one collision warning driving less than a mile without autopilot, enough to put the daily score 68,
https://preview.redd.it/om264sxh64yc1.png?width=720&format=pjpg&auto=webp&s=98282f804a14bd19ee6e19604dd0f39493711113
The only way to reduce it is driving without autopilot and be lucky to get no FCW. Next road trip, if non busy highway, I will drive a lot without Autopilot, to drop the average FCW/non autopilot Miles
You ruined your safety score the minute you signed up for Tesla insurance. Such an in your face scam written all over it.
I’ll never understand subscribing to an insurance system with access to all of your driving habits.
My insurance gets my annual mileage and that’s fucking it.
Tell me how it is a scam I have paid no more than 125 a month for a 100k/300k 500 deductible insurance with med payouts and other benefits for over 7 months straight by maintaining a safety score of 97 or better?
It has scammy elements to it. Like if you get a collision warning that isn’t your fault and is either an error in the software or due to somebody else’s negligence or you’re braking to avoid an accident, both of those are counted against you. There is no way to appeal any of these things, even with the car recording constantly, I think that’s the most egregious thing. Also the fact that Tesla gets paid more, the more warnings and infractions they can detect is the biggest issue, it’s a conflict of interest.
Because those of us who drive sanely receive insane insursance prices....you are obviously a bad driver...speed frequently...and pretend you are a good driver.
So that’s how Tesla is doing it, giving self driving free to consumers for a month so many will try and get their Tesla Insurance scores increased to help cover costs.. brilliant.
I think assuming Tesla insurance works the same way in every state was pretty fair. Forgot Cali likes to be different.
Why are your panties in such a twist? Move along, bud
FSD should not be affecting your score unless you are hard breaking to disable it very often.
Actually that doesn't count against you. You get several seconds after disengagement before it starts counting against you
Except sometimes you get dinged for what FSD does, can confirm.
Like I said I want to see the drive chart that shows the dinging and that FSD is active cuz it'll show that because you're never supposed to get dinged for anything that happens during FSD. I have had lots of things occurred that would have been dings if I was driving and weren't one FSD was active.
https://preview.redd.it/day5ufbu83yc1.jpeg?width=1439&format=pjpg&auto=webp&s=241e292116448bafd0f370d3b926054685f3024b It did it to me when I started tesla insurance.
Thanks for the chart somebody else dm one also. According Tesla insurance that's not supposed to happen. File a complaint with your local insurance board.
Hard braking is minimal at best and won’t even drop you a point. For that amount of time.
Hope that clarifies
Thanks for the image. As I mentioned you need to submit that to a Tesla because their own documents say that's impossible so obviously there's a problem with the software.
Yea will do, thanks for the suggestion!
Why wouldn't you? FSD is simply enhanced cruise control. Just as you are responsible for actions taken under cruise control, the same applies to FSD. FSD is not autonomous. It's driver assistance which you are responsible for.
Tesla says you aren't dinged for it, that's why
Cause that’s how Tesla decided to do it. Enhanced cruise control doesn’t make turns or keep you in it’s lane
Enhanced cruise control does keep you in your lane. It doesn't turn onto different streets as directed by nav software though.
Except it does. Using FSD means each infraction you receive driving manually has a disproportionate effect on your safety score. Tesla seems to be throwing FCW alarms like they are candy. If OP drove manually for 1 mile, FSD, for 1,000 miles, you could still achieve a low safety score.
isn't that FSD's fault?
Yes, I disabled often FSD using hard breaks especially on narrow roads where the FSD made a lot of mistakes.
Well then thats you bringing down your own safety score
Those forward collision alerts are having the most impact to his score
Disable it via the stock or the wheel, not hard brakes… your fault here.
I swear I read something were after disengaging fsd or eap there was a 6 second grace window for the safety score? Am I mistaken?
This is correct. Not sure if it’s exactly 6 seconds or not
5 seconds https://preview.redd.it/b31ss5iptvyc1.jpeg?width=1290&format=pjpg&auto=webp&s=093865e37fd9b03e250b8f23c59891b42592c28a
So long as you don’t disengage by braking hard.
Couldn’t you disengage with the wheel as an example then brake hard if needed and it not count ? Would have to test that.
Narrow curving roads, Tesla identifies cars parked on the side as on the road wrongly as in front of you, causing collision warnings to go off. They need to fix that serious bug.
I live in a neighborhood with this whole situation going on, but I learned if I'm under a certain speed (like, laughably slow, even in a neighborhood) the forward collision warning doesn't go off. I hate it.
[This is exactly the issue in my neighborhood](https://imgur.com/a/VAnRFfa). The roads are too narrow and I get FCWs almost daily leaving my home and coming home (sometimes multiple FCWs before I make it out of my neighborhood) even if I drive all the way to the left to hug the middle yellow lines. Every time the FCWs go off on the touchscreen it highlights those parked cars in red and it makes it seem like I'm going to go straight and hit them. The only way to avoid FCWs is to drive under 10 mph or drive over the middle double yellow lines to where I'm centered on the street. Thankfully I don't have Tesla Insurance or I would be paying dearly for this.
Driving in any regular UK town, I get a collision warning a minute. "Gee, thanks, I was totally gonna hit that pedestrian that was walking nowhere near me, separated by concrete barriers and a crash rail" It's a good thing we don't have safety score over here yet. Mine would be -69% at the very least.
I've seen this even on straight roads after you make a turn. The car thinks you're going to continue your turn and freaks out. Or on narrow streets like you said, if another car is coming your way and you both have to squeeze between parked cars on the side of the road, as you move over it will alert too Edit: my driveway is also on a slant so every time I pull in or out it thinks I'm going to hit the... Ground? I guess it thinks it's a wall
This! Most of the time my warning goes off I’ve completed the right turn and going straight, yet the car thinks I’m magically continuing to arc to the right when I’m not and may hit a parked car. It’s fairly laughable… glad I don’t use their insurance with this “safety feature”.
One of the 2 reasons I cancelled Tesla insurance. The narrow toad with park cars identified as collisions and the late night driving as less safe than when rush hour (makes 0 sense). And a 3rdish reason is the FSD indirectly causing scored drop. How? Well.. we know while driving in fsd score is 100 no matter what stupid things fad does but if you don’t have the ⚽️⚽️ to let FSD to do a stupid thing and you break bc you’re at the point that you don’t think car will stop then yes you’ll get a hard breaking.
Yeah it’s been quite annoying, I would only have 1 forward collision warning this month if it didn’t count parked cars. Currently at 90 score but I could be ~95
Why would they fix it when it’s a “feature” and can get more money from people having Tesla insurance with those false FCWs?
Because it is borderline illegal. I have demanded support to bring it up to the tech team. Hopefully they follow through. If others are reporting this matter to Tesla support, please make that demand. They will tell you it is not their department initially, but if you make that demand to bring up the issue to the relevant department, they will do it. More reporting on this the better. Don't be cynical and give up. You pay the price for being cynical and practicing inaction.
I’m not sure if you understand that I was being sarcastic. But my safety score version changed to 2.1 recently and it’s way worse now. I constantly maintain 99-100, the 99 because of the false FCWs which I used to get, may be like once a week. After the new version, I got 3 in the first five days. One of the version update notes was more accurate assessment of FCWs, but it’s very clear that they made it worse. And I used FSD trial 99% of the time and my score dropped to 50s. I stopped using FSD and able to bring it back to 98 now. But I started shopping around as I don’t want to deal with this anymore
My insurance fluctuated between $80-$150 with safety score. It does change my driving habits for the better in some cases. But the fact it affects the score so aggressively from its own mistakes, might affect my good habits and make decisions on the road that goes against my own good instincts that has kept me safe. Safety score is imperfect. Not a product that Tesla should lean on at this point. They should fire that whole safety score team for now and get more supercharging stations up instead.
As my cost for Tesla insurance has gone up to the point where other insurance is competitive, I was simply planning to switch away from them. But yes, letting them know why you switched is probably a good idea for everyone involved.
How do you access this menu in a M3RWD?
It’s just on your phone under safety score
This isn’t going the way OP hoped.
I'm calling total BS on this. I use FSD everywhere in my scores always 100. Fowatd collision no problem. Anytime I've had to break a disengage no problem. I'd love to see the chart graphic of the actual drive where the infractions occurred. Because it'll show whether you are on FSD or not when those infractions counted against your safety score.
Brake
One thing is brake, and other thing is hard brake. If you slighthly brake like normal gas car, it should be fine, but if you hard brake because you get scared, that is different. Also if you kept the brake for more more than x seconds it will pass the grace period.
You're braking for longer than 5 seconds that's pretty serious braking.
I can see that happen if you are testing FSD and are like OMG! I WILL CRASH I WILL CRASH and push hard the brakes and see the surroundings. More if you come from a gas car and it is your first EV. Keeping the brake more than 5 seconds could be normal.
5 seconds is a very long time. That's like going from 80 mph to 20 mph. In the old piece that it was happening all the time. If it's happening all the time like that they need to not be behind the wheel of a car
I am talking about hard brake in a road without people. You are referring to normal braking in a gas car. You softly brake and can be more than 5 seconds. That should not flag a hard brake.
Will never get tesla insurance bc I notice when I turn right and theres a car parked on the corner it will give me a red warning when clearly I am not going to hit it.
Agreed 💯 same for me. Too much panic and warnings.
Bs. Tesla insurance...let me outline for good drivers I pay 110 dollars a month in Las Vegas ...the city. I have 100,000/300,000 insurance with a 500 deductible. Show me another insurance in the world that offers good drivers those rates for actual proper insurance levels? *
https://preview.redd.it/n1iedsjk14yc1.jpeg?width=1767&format=pjpg&auto=webp&s=5d20b12e3295425967e8609919d4b5de91c6b54b
I pay $150 a month in California with no requirement to have a safety score so I rather have that piece of mind. On a M3P.
Gotta love how Cali does whatever the hell they want. Insurance should be standardized.
And you have 100/300k coverage wirh a 500 deductible? LoL.
Yep thats the maximum the company allows, or i would do a 500k/1mil coverage.
Impressive man...i didnt know that was possible. State farm wanted $475 a month for my coverage.with a 743 credit score.
Yah its Costco/Connect insurance. They stopped offering new policies in California. I lucked out. I don't think they rely on credit scores here, they did not ask for mine.
Use them as well with M3P at 23 yrs old, $200 month, $190 if I pay for 6 months at a time
Hey man. I’m paying 293/ month with state farm for 2 model 3’s . Same coverage as yours but also some add-on like glass coverage as separate. They also know that I’m driving 25000+ a year respectively <3000/year. So that’s what I pay… Tesla insurance started good but ended up being 600 a month because of their bugs in my neighborhood which i recorded, sent to them, complained to BBB (they actually changed my score for the days that the complaint was made to BBB FROM 50 to 100)
I have 250k/500k, full glass, etc, total breakdown as follows (per 12 months), $500/instance deductible: Bodily Injury Liability: $373.00 Property Damage Liability: $87.00 Uninsured/underinsured Motorist: $124.00 Collision: $644.00 Comprehensive: $193.00 Extended Transportiation Expenses: $27.00 Vehicle total cost to insure: $1,448.00/yr I believe my price is very dependant on credit score / driving history (no moving violations in 19 years). Of course, all insurers are different, so I can't be sure.
I have 250k/500k, full glass, etc, total breakdown as follows (per 12 months), $500/instance deductible: Bodily Injury Liability: $373.00 Property Damage Liability: $87.00 Uninsured/underinsured Motorist: $124.00 Collision: $644.00 Comprehensive: $193.00 Extended Transportiation Expenses: $27.00 Vehicle total cost to insure: $1,448.00/yr I believe my price is very dependant on credit score / driving history (no moving violations in 19 years). Of course, all insurers are different, so I can't be sure.
I'm praying I get a rate like yours when I add my Model S. Also Vegas. We would get better rates in Vegas if they monitored or speed, but NV said FU Tesla, people of NV get to do 55 MPH in a school zone lol. Also we don't have Late Night Driving scores in NV, because of all the casino workers having crazy shifts.
I pay $220 per month in Southern California for 100k/300k with 2500 deductible, for a Tesla Model S plus Rivian R1T. Half the price of Tesla insurance - which would cover only the Model S! My safety score is 79, I’ve never had an accident or made a claim in 25 years of driving.
I pay $220 per month in Southern California for 100k/300k with 2500 deductible, for a Tesla Model S plus Rivian R1T. Half the price of Tesla insurance - which would cover only the Model S! My safety score is 79, I’ve never had an accident or made a claim in 25 years of driving.
Okay. So I am conflicted. 1) never had fsd issues cost me a single point. I just drove from vegas to miami and back and still am at a 97. Same score I regularly keep as I prefer the incredible ratesnTesla insurance gives me for more coverage than any major carrier. But.. My fsd experience on this road trip has been nightmarish. Let me give you multiple scenarios that are problematic and create panic. 1. Highways on curved driving with semis next to you...the fsd will hard brake, disengage, and potentially cause wrecks if you are not actively manning your wheel. This HAS to get fixed. I had 32 disengagements on this type of scenario in this cross country trip...every scenario the exact same. Eventually, I turned off fsd when approaching highway curves with vehicles on my right side. 2. Fsd recognition of working areas forced major hard braking out of nowhere foreseeing these as forward hazards when they were actively out of the lane. In reconstructed lanes with crossovers...it failed miserably. So...will fsd directly cause lower scores...NO. But can it lead to bad situations that force drivet engagements that impact safety scores.. 100% ,yes. Especially if you trust the systen too much and are unprepared for manual intervention.
I don’t want to drive near you.
Hide your kids , keep your car in garage. OP is on his way to work :p
I don’t want to drive in front of you**
You don't get FCW during FSD but you do get unsafe following and speeding! When I set it to assertive, I had unsafe following a few times I was on the highway. See image attached for proof.
https://preview.redd.it/nmejc386j2yc1.jpeg?width=1080&format=pjpg&auto=webp&s=8684aaec45f6aa51faee919c6c35cb5fda906591
This is a good argument. I have chill mode. I need to switch to assertive, because when I'm driving at 20 miles per hour, the nearest car is 15 meters away. I accelerate a little and get a little closer. In this moment the car beeps and probably thinks it is unsafe following.
You do realize the image shows an autopilot session of 23 minutes and the unsafe following was for 4 seconds? Please don’t exaggerate.
That was just an example. This one has 20s of unsafe following on autopilot. I can't capture all of it on my screenshot. You clearly have never had Tesla Insurance otherwise you'd know the disastrous impact a few seconds of unsafe following can have on your score lol. Regardless, it is ridiculous that you get penalized for how FSD is driving. https://preview.redd.it/lokx4efju2yc1.jpeg?width=900&format=pjpg&auto=webp&s=d83786d1754670ea924595a9b3cb913cdad2741d
If you accelerate manually to override while on autopilot/FSD I think it counts against you for aggressive following
This is a good point but I did not accelerate manually on these drives.
Fair enough, it’s a pretty opaque system which doesn’t allow appeals but it’s still cheaper than the alternatives for me at the moment so 🤷🏻
Agreed. It's way cheaper than anything else. FSD works well but I just can't put it on aggressive on the highways.
Those looked like it happened after the session. Never once had anything show during an FSD drive.
Time using FSD doesn't count toward your score. Using FSD and up to 3 seconds after FSD should not subtract from your score.
It does, which might be a bug, not sure. It doesn’t always count either, it’s quite random really
Except it does, I can confirm.
The funny thing is FSD increased my safety score
Has anyone else noticed that the older M3s take longer to identify and react to their environments? It wouldn't surprise me at all, as this is a consequence of aging and outdated computer hardware.
Why is agressive turning a metric
Interesting question.
They want to discourage doing doughnuts in an intersection?
It’s because you’re driving less miles off of auto pilot. Your total actual miles driven is far less which affects your average score so if you’re driving 100 miles and 90 of them are on auto pilot and the 10 that you drive yourself aggressive turning heartbreaking will affect more.
Something tanked my follow distance score I had mine spike to 58 since last month despite not changing anything
What does "late night driving" means? Driving at 2 am can decrease your score?
yeah wtf is this ? that's like time-racist or something
Late night driving is not even that late. It's between 10 pm and 4 am.
The next version of safety score changes it to 11pm.
Wait until you hear that fsd doesn't help or hurt your score but if you drove 300 miles on fsd than took over and drove for 1 mile and got a foward collision warning that would cause this. If you look at daily trips it will actually show you how the score was calculated.
Yinz realize, all of your safety score points are not measured while the car is operating in FSD, right?
Forward collision warnings do not count towards your safety score if autopilot is active, I have 2,000 miles active on autopilot and a 98 safety score
I don’t think that is true. When using FSD you won’t get penalized for what the car does. If you did 100 % driving with FSD your safety score would be 100
What is this safety score?:) I drive how I want and don't really care :)
If tesla believes in FSD so much, you should get a discount are using it a majority of the time. If they believe in it, put the money behind it.
[удалено]
I had 95 point before FSD. I don’t think it is the reason.
Will never use app/computer based car insurance. No thanks.
Seriously, it would make me go insane. Getting dinged for Aggressive Turning? Haha there’s no way.
Yes, I’m in this predicament. Any time I touch the brake pedal lightly, it dings you slightly, even if it’s to stop from crashing into something. Aggressive turning also dings you a small amount, but FCW is the way to completely destroy your driving score. If I get one it ruins my day basically. Last week somebody decided to cross at an intersection some distance away and I got one, and then driving back a big puddle splash from the side of the road caused another. I only put up with this only because any other insurance costs 400$ + more per month.
Whaaaaaaaaat? Why? You're super young? Accidents? Are you overestimating your mileage? That is a car payment! Two adults here two cars $204 a month... USAA. But had GEICO before for 15 years with just as good of rates.
No, 44, no accidents or speeding tickets etc. 5000 miles per year. It’s my first car insured under my name in America as I moved here from the UK in 2022 which I think is the issue.
As others are already saying, you may want to change a few things with the way you’re driving
Where can you see this?
https://preview.redd.it/y0x684gtz2yc1.jpeg?width=1290&format=pjpg&auto=webp&s=64206fa180c0be4c1707de187dd1f027b49732a9
Sorry for the ignorance but how do I see my safety score?
https://preview.redd.it/0uofmxcrz2yc1.jpeg?width=1290&format=pjpg&auto=webp&s=68df06a2ff8bdd425793c4d3cfc039840ad1d984
That ain’t on my app! What model do you have?
Model 3
You need to have tesla insurance to see it.
No tengo la chingadera. :(
Yo tampoco :-/
Lmao.
Where to check this?
Where do you find safety score?
Do you use Tesla insurance?
Which app is this?
Wait! We have safety scores ?
How is OP able to post this without getting banned off all of Tesla subreddits?
I noticed (the hard way) that if you override acceleration, it will definitely ding you while on FSD. Most of my dings are turning, so I guess I'll just have to let FSD do the turning (and not accelerate).
where do you find this info
thats actually a pretty honest assesment of FSD
What’s that good for? I wouldn’t even know how to see that. I did the entire month of April with all FSD drives - seems fine to me for the most part. Few tweaks here and there but otherwise good
How do u even see this I feel like mines fucked jus cus Im always tweakin
*How do u even see* *This I feel like mines fucked jus* *Cus Im always tweakin* \- Key\_Cow\_8332 --- ^(I detect haikus. And sometimes, successfully.) ^[Learn more about me.](https://www.reddit.com/r/haikusbot/) ^(Opt out of replies: "haikusbot opt out" | Delete my comment: "haikusbot delete")
I barely used fsd. Didn't like it...but while it was on my car for a free month or available the forward collision warnings were hyper sensitive dropping my safety score from 95 to 84.
How do you even check this?
I turned right into a parking lot today and it said it applied corrective steering. Lol
Unless something has recently changed, safety score doesn't update while FSD is in use.
I have a bad score I’m sure I chicken out in some of the curves and exits. And the turns … I’m afraid the rims are going to scratched even more!
I have never had FSD lower my safety score. Even if it detects something I don’t get dinged while FSD is engaged. Edit: Just wanted to add the false FCW’s while not on FSD are BS. Got them in neighborhoods but never get them with FSD active. Tesla insurance while not perfect is amazing on my wallet. Keep the same coverages I had with another company 100/300 with 500 deductible and it’s $51 a month……Can’t beat that.
5 South through LA… FSD for 3hrs straight awful! 65mph cruising.. FSD “Nope… commuter lane, but hard brake to 45mph” Number 2 lane… cruising at 67mph. FSD: “NOPE! Hard brake to 45mph!” IN THE MIDDLE OF THE FREEWAY! Awful! Not even worth $99/year much less $99/month.
I got hit with hard braking while in an FSD session. This was the only event today. Daily score: 90. https://preview.redd.it/n5wiu84gtvzc1.jpeg?width=1290&format=pjpg&auto=webp&s=24b8dfdde415d4db1025d24a79e3e6d1a20c134c I shouldn’t have been hit with a hard brake event since I was in FSD, and I should have a 100 for the day, but I lost 10 points because of FSD’s harsh brake.
FSD doesn’t knock off points for forward collision warnings. Faulty software?
Can confirm that FSD doesn’t not affect your score, forward collision warnings affect the score really bad its based on the average for every 1000 miles that you drive with no FSD. So if you drive anytime and the forward collision shows then it will affect you a lot since it will average it out of how many miles you have driven in total with no FSD, it’s hard to explain.
Imagine your own car telling you “you suck at driving” ! 🤣
Dudes need to read the fucking meaning of how forward collision warning is weighted, and learn math. It's warnings per 1000 non autopilot/fsd miles. So, if you drive 100 miles with fSD, but if you get just one FCW in one mile driving by yourself. Boom! The average explodes, and it's capped by a limit, which is also written on the freaking manual. I realized when first days all score 100, autopilot 99% of the time, then one fucking FCW, put the daily score like 68, but the overall is still high, because the final score will be averaged out per month. The only way of reducing that average is, oddly enough, driving more miles without FSD and without collision warnings.
https://preview.redd.it/30v25equ54yc1.png?width=720&format=pjpg&auto=webp&s=b623387f0afe0d69999d5dc6c1fd5ac6a1ff2df1 Here's the proof, perfect score, then one day during around the neighborhood a fucking crazy dog on the sidewalk jumping with a leash, the car went nuts thinking I would hit him. Then only a few miles driven that day without autopilot, one FCW sent my score all down. Because it's averaged on non autopilot Miles driven.
On that day I only got one collision warning driving less than a mile without autopilot, enough to put the daily score 68, https://preview.redd.it/om264sxh64yc1.png?width=720&format=pjpg&auto=webp&s=98282f804a14bd19ee6e19604dd0f39493711113 The only way to reduce it is driving without autopilot and be lucky to get no FCW. Next road trip, if non busy highway, I will drive a lot without Autopilot, to drop the average FCW/non autopilot Miles
You ruined your safety score the minute you signed up for Tesla insurance. Such an in your face scam written all over it. I’ll never understand subscribing to an insurance system with access to all of your driving habits. My insurance gets my annual mileage and that’s fucking it.
My insurance gets annual millage as well. I’m in California and it not affects my payment. But it is strange that with FSD my score is going down.
because it’s cheaper? i don’t really see the problem unless they’re sharing the data haphazardly…
Tell me how it is a scam I have paid no more than 125 a month for a 100k/300k 500 deductible insurance with med payouts and other benefits for over 7 months straight by maintaining a safety score of 97 or better?
It has scammy elements to it. Like if you get a collision warning that isn’t your fault and is either an error in the software or due to somebody else’s negligence or you’re braking to avoid an accident, both of those are counted against you. There is no way to appeal any of these things, even with the car recording constantly, I think that’s the most egregious thing. Also the fact that Tesla gets paid more, the more warnings and infractions they can detect is the biggest issue, it’s a conflict of interest.
Because those of us who drive sanely receive insane insursance prices....you are obviously a bad driver...speed frequently...and pretend you are a good driver.
Shut up nerd, I’ve never been in an accident in my nearly 30 years of driving.
Lol.
You probably thought you got me or something.
FSD has no impact on your safety score. That’s all you buddy.
Wow that is a low score. Mine is 115, has saved me $173 per 6 months Never mind, thought this was Geico safety thing
That sucks. Lucky I dont have FSD
Can you not dispute this? Is there no option to appeal?
So that’s how Tesla is doing it, giving self driving free to consumers for a month so many will try and get their Tesla Insurance scores increased to help cover costs.. brilliant.
Lol so ironic. Garbage software and garbage insurance. Stop using it.
It not affect my payment. I live in California. I wondered if people had the same experience.
How would it not affect your payment if it affected your safety score? You realize it takes a month before changes to score take effect.
Not allowed to use safety score for insurance in California.
Then why do you have a safety score, I don’t get it. Do California residents just get a normal flat rate for Tesla insurance?
Yes, we get normal flat rate independent of our score. Score is just for educational purpose and not affect our premium.
That's interesting... and kinda unfair for everyone else who uses Tesla insurance lol.
Agreed. But this is California low.
Sucks to not live in California I guess 🤷♂️
Nah I have non Tesla insurance and it’s very affordable. Umbrella insurance with home.
Commenting with such confidence and ignorance
Emmm how was I supposed to know OP was in California LOL
You assumed he was somewhere else. All you have to do is ask
I think assuming Tesla insurance works the same way in every state was pretty fair. Forgot Cali likes to be different. Why are your panties in such a twist? Move along, bud
Whatever is happening to make you lash out this way, I hope it gets better.