buying Everything you need to know about insuring an electric vehicle

00:35  25 april  2020
00:35  25 april  2020 Source:   bankrate.com

Tesla Model Snow - Tesla Model 3 as a snowmobile

 Tesla Model Snow - Tesla Model 3 as a snowmobile How do you turn a seasoned electric car like the Tesla Model 3 into a snowmobile? It's simple: the rear wheels come away and are replaced by chain drives. © Screenshot / Youtube In today's enlightened world almost everyone can be whatever he wants. Regardless of whether it is a job, gender or clothing style - Goethe already knew: Anything you like is allowed.

Electric vehicles (EVs) are still cars, and anyone who has driven an automatic vehicle will feel immediately at home behind the wheel of one. It just doesn’t need to be used very often, because electric cars slow down far more abruptly than ICE cars do when you lift off the accelerator.

While you can plug an electric car into a regular mains socket at home, we will warn you now - you ’ll be in for a very long wait. While recently driving a Tesla Model S 100D from London to the Scottish Highlands, we stopped overnight in West Yorkshire. Because it was December in Britain, we knew

Unlike their conventional siblings, electric vehicles don't depend on combustible engines. Instead, when you pop the hood of an electric car, you'll see an electric motor, powered by a massive battery pack, often located in the undercarriage of the vehicle.

a person in a car: electriccar © PIKSEL/Getty Images electriccar

Robert Anderson invented the first electric car in 1832, but only in recent decades have electric cars become major contenders in the automobile industry. In the past, electric cars could only travel short distances on a single charge - 100 miles or less - and most consumers couldn't afford the lofty sticker prices. But today, many electric vehicles cost less than $40,000 and some have a range of more than 370 miles on a single charge. Setting up a home charging station costs just $200-$1,000, and you can juice up on the road at pay charging stations from coast to coast.

How To Maintain a Battery-Electric Vehicle

  How To Maintain a Battery-Electric Vehicle How To Maintain a Battery-Electric VehicleDue to its powertrain's simplicity, an EV requires very little maintenance relative to a vehicle with a fuel-drinking engine. Very little isn't the same as nothing, however. Replacing battery packs and electric motors are expensive jobs that require specialized knowledge on the off chance either feature fails. Luckily, these powertrain pieces last for years and tens of thousands of miles. Plus, EV manufacturers typically offer long warranties on these items—a testament to the inherent reliability and performance of EV powertrains (not to mention, an additional piece of mind to consumers).

The car was an electric vehicle guided by radio-controlled electromagnetic fields generated with magnetized metal spikes embedded in the roadway. The next big thing happened in 1958 when General Motors made the actual concept into reality. On the front end of the car was equipped with

How do electric vehicles work? Instead of a fuel tank, an electric vehicle has an on-board battery that gets charged through an electricity supply and then stores and uses that energy to power an electric motor and set the wheels in motion. It means the cars have no need for a clutch and gearbox or an

Car enthusiasts choose electric cars for many reasons. Some buy them because of their environmentally friendly reputation, and other people switch to electric automobiles to save gasoline dollars. But is an electric car right for you? Whatever your reason for considering this option, you should know about how to get an electric vehicle insured.

Electric car insurance vs. conventional car insurance

Typically, electric cars have higher insurance rates than their conventional equivalents.

Coverage for electric vehicles is higher because they cost more than conventional cars, sustain damage more easily and cost more to repair. So, if you total an electric car, the insurer must pay a higher claim compared to the payout for an equivalent conventional automobile. And, if a fender bender damages an electric car's battery pack, the insurance carrier may have to pay $15,000 or more to replace it.

2021 Ford Mustang Mach-E Can Charge Just Over Half as Fast as Tesla

  2021 Ford Mustang Mach-E Can Charge Just Over Half as Fast as Tesla Ford claims the electric Mustang equipped with the standard-range battery can charge from 10 to 80 percent in 38 minutes. Ford claims that its upcoming 2021 Mustang Mach-E electric crossover equipped with the extended-range battery will charge from 10 to 80 percent in 45 minutes, and those equipped with the smaller standard-range battery will do it in 38 minutes. The base Select model is capable of up to 115 kW of fast-charging capability, while all other Mustang Mach-E models will go to 150 kW. Ford's first electric crossover starts at $44,995 and can reach prices over $60,000.

A new vehicle gives you the reassurance knowing that you 're the only person who has owned the car, while a used car is easier on your wallet. When shopping for a new versus used car, you need flexibility and patience. A new vehicle gives you How Long Does It Take to Charge An Electric Car ?

Electric cars need to be light, which means they include a lot of high-performing metals. The lithium in the batteries, for example, is super light and conductive—that’s how you OK, so an electric vehicle contributes a fair bit of pollution and greenhouse gases to the world. But you know what else does?

How much does electric car insurance cost?

Although electric automobiles typically cost more to insure than their gas-guzzling counterparts, we requested quotes on several makes and were pleasantly surprised at the affordable rates we received.

Electric Vehicle6-Month Premium
Audi E-Tron$486
Chevy Spark$471
Fiat 500$750
Ford Focus$617
Jaguar I-Pace$775
Mitsubishi i-MiEV$685
Nissan Leaf$713
Tesla Model S$775
Volkswagen E-Golf$748

Who provides electric car insurance?

Insuring an electric car is no different than covering a conventional vehicle. Electric car policies feature the same standard coverages such as liability, collision and comprehensive coverages. Most major insurers write policies for electric vehicles, including:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Tesla Insurance

In August 2019, electric vehicle manufacturer Tesla launched Tesla Insurance. Currently, Tesla Insurance only writes insurance policies for California Model 3, Model S, Model X and Roadster Tesla owners and has plans to offer coverage throughout the United States. Tesla marketing claims the manufacturer launched the Insurance program because of the company's intimate knowledge of the vehicles' technology and serviceability.

Tesla Cuts Prices on Three Models, Some by as Much as $5000

  Tesla Cuts Prices on Three Models, Some by as Much as $5000 The Model 3, Model X, and Model S all get price reductions, and now the Model 3 starts at less than $40K, but the newer Model Y sees no price cut. Tesla has cut prices on its Model 3, Model X, and Model S electric vehicles.The Model 3's price is down by $2000, bringing it to less than $40K, and the Model X and S both see price cuts of $5000.Tesla outperformed competitors in the first quarter of 2020, but the outlook for electric-vehicle sales in general through the rest of the year isn't good.

Data Transportation Autonomous vehicles need to communicate with each other and transport data with the use of consistently high-speed internet, highlighting the need for In addition, the revelation of the Volkswagen emission scandal ( known as Dieselgate) further undermines platinum use in vehicles .

Waymo, an autonomous vehicle pioneering firm, has been making plenty of headlines lately. Here's everything you need to know about it. Again, with the Waymo transition and the demise of the Google pod cars , the company made one thing very clear: It had no intention of attempting to

Tesla Insurance offers the same standard coverage as other providers, including bodily injury and property damage liability, collision and comprehensive insurance. Tesla also offers an Autonomous Vehicle Protection Package that includes autonomous vehicle owner liability, cyber identity fraud expenses, electronic key replacement and wall charger coverages. Although some insurance providers don't cover autonomous vehicles, a report by the Stevens Institute of Technology suggests the coverage could create an $81 billion opportunity for the insurance industry within the next five years.

Current California Tesla owners can request an online quote and purchase a policy on the Tesla website. New owners who order a new Tesla can get a quote when their vehicle's VIN number becomes available in their Tesla account.

Like most car insurance companies, Tesla Insurance offers multi policy discounts. Tesla Insurance claims to offer rates 20 to 30 percent lower than their competitors, but the results are mixed. Some Tesla owners may get lower rates with Tesla, but others may pay more. We requested a quote from Progressive for a Tesla Model S and received an annual rate of $1,550, compared to the annual Tesla Insurance rate of $2,963.

Not A United Front

  Not A United Front Not A United Front

We investigate the pros and cons of electric cars and discuss, EV range, electric car batteries, charging and whether or not With a dedicated team of experts, Drive is committed to providing independent informative car reviews and comparisons of the newest vehicles in Australian showrooms.

Since the first modern electric vehicles took to the roads, critics have been quick to question the ‘clean’ label. With the amount of debate & misinformation troubling the waters, the facts behind the efficiency of electric vehicles have become clouded - so just how clean are these vehicles ?

Tesla does have discount programs available. If you use the autopilot feature, you can save money. The company will also use data from your car about your driving habits to consider if you're eligible for safe-driving discounts.

How to save on electric car insurance

If you join the electric vehicle craze, you can save on insurance the same way conventional car owners do: avoid accidents and traffic violations and maintain a good credit score. If you already have an electric car and are unhappy with the insurance rate you pay, request quotes from several other providers. You might get a better deal by switching to another company.

You can also take advantage of discount programs. Insurers offer all types of discounts for purchasing multiple policies, insuring more than one vehicle, remaining claims free and taking a defensive driving course, among many others. Some large carriers, including Travelers and Liberty Mutual extend exclusive discounts to electric and hybrid car owners.

Also, research local, state and federal programs that offer rebates or tax credits. For instance, the California Clean Vehicle Rebate Project pays rebates up to $4,500 to Californians who purchase a qualified electric vehicle. The federal government offers tax credits up to $7,500 for purchasing certain makes and models of electric cars and SUVs.

Indian can be protected by EFTR - reference to an electric motorcycle

 Indian can be protected by EFTR - reference to an electric motorcycle Harley-Davidson already has an electric motorcycle at the start with the LiveWire. Now competitor Indian seems to want to jump on the electric train. © Indian If a motorcycle manufacturer has a name or designation protected, it does not necessarily mean that a corresponding model must follow. However, the model name EFTR, now protected by the US motorcycle manufacturer Indian at patent authorities in Europe, Australia and the USA, clearly suggests a possible motorcycle with an electric drive.

What are the benefits of driving electric vehicles?

Owning an electric vehicle has more benefits than you probably thought. Here are just a few.

  • Energy independence: While you must rely on a charging station to recharge your vehicle's battery, you can say goodbye to gas stations. With a home charging station, you can plug in your automobile when you get home from work and it'll be ready to go the next morning.
  • Lower environmental impact: Electric automobiles produce no tailpipe emissions. However, driving an electric car doesn't completely eliminate your transportation carbon footprint, because nearly 63 percent of the United States' electricity is generated using fossil fuels.
  • Reduce inhaled emissions: Tailpipe emissions don't just poison the environment; they also pollute your car's interior. When driving a conventional automobile, emissions seep into the interior from your engine. The level of pollutants varies, depending on factors such as the type of car you drive and its climate control system. Car emissions contain many dangerous carcinogens, including volatile carbon oxides, organic compounds and particulate matter. An electric car can help you avoid breathing in these emissions.
  • Reduce fuel expenses: Typically, fueling an automobile with gasoline or diesel costs more than the electricity expenses of operating an electric vehicle.
  • Extended battery life: Reports about electric car batteries vary widely. However, based on predictive modeling conducted by the National Renewable Energy Laboratory, new technology has extended the life of some types of batteries up to 12 to 15 years.
  • Reduce maintenance expenses: With an electric vehicle, you don't need to worry about regular oil changes or periodically changing incidental parts such as fan belts, gaskets and radiator hoses. Some electric car owners have even reported driving their vehicles 70,000 miles or more on original brake pads.

Bottom line

There's no doubt that electric cars are here to stay. They offer an environmentally friendlier way to get from one point to the next, quieter engines and none of the nasty exhaust fumes. Typically, electric cars require less regular maintenance and can go an astounding number of miles on original parts.

The sticker price of an electric car might set you back a little more, and you may pay slightly higher insurance rates. But you might be surprised. When you take the time to shop around, you can often find rates comparable to many conventional automobile makes and models. To achieve the best premium possible, ask agents about discount programs, including discounts for electric vehicles.

The 22 Best New Cars with Apple CarPlay in 2020 .
The 22 Best New Cars with Apple CarPlay in 2020

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