I just got on Intact’s website and got a quote for one John Smith, 18 year old male from Branford, Ontario. John wanted a quote on a Tesla Model 3 Performance. Their quote was $3200/year.
You want to try and explain why it is that you are getting quotes that are twice that of the highest risk drivers?
You are right. I mistakenly failed to pay the parking meter on time 7 or 8 years and was issued a ticket. Of course I threw myself at the mercy of the courts; a simple mix up of days I pleaded. It was not the statutory holiday I thought it had been that would have waived the parking fees. And I paid my ticket immediately. But they would have none of it. So unforgivable was my crime, so heinous, so far murder or rape, that there could only be one punishment that could be appropriate for my sin; to be executed.
I await on death row now. The chosen method of execution is to be killed by old age 60 or 70 years from now, being withered and worn by the ravages of time. Most cruelly in the interim, I am expected to work a 37 hour work for 48 weeks out of the year in grueling conditions. A climate controlled office with an ergonomic chair in front of a computer with Visual Studio Code open.
Sometimes it seems like if it would not have been kinder to simply kill me there and then. Those days I ask myself why they keep me here. Just to suffer?
tl;dr
No accidents, no claims, no criminal activity on record except the one parking ticket. I don't pretend to comprehend why the quotes are that way for me.
In comparison my current SUV is $1100 a year same level of coverage as that quote. Just for fun I got a quote for an 2022 Acura NSX a while ago and it was $1500 a year, and the NSX is quite a bit more expensive then a Model 3.
For a 33 year old driver, single, male, unmarried, with no tickets/accidents/etc., living in Sudbury, ON:
Intact Insurance:
2022 Tesla Model S LR 4DR: $178.17/mo [1]
2022 Acura NSX Hybrid 2DR AWD: $535.08/mo [2]
TD Insurance:
2022 Tesla Model S LR 4DR: $232.42 [3]
2022 Acura NSX Hybrid 2DR AWD: "CALL" [4]
Rather than calling I went to BrokerLink, which lets you get quotes from different sources. The average quotes given by BrokerLink for each vehicle were:
2022 Tesla Model S LR 4DR: $360/mo [5]
2022 Acura NSX Hybrid 2DR AWD: $520/mo [6]
So no, I do not believe you are being honest. There is no reason to believe that.
You must have a terrible record or something. No one is getting quoted $6k/year unless they have a felony hit and run on their record or something equally as egregious. Not even in Canada.
I find that incredibly difficult to believe. According to [1], the average cost to insure a Model 3 is $2500, which tracks with what I am paying.
Who quoted you $6k/year?
[1] https://www.forbes.com/advisor/car-insurance/vehicles/tesla/...