It says "Asia" and no mention that it's coming to North America...In the states, insurance is one of the most heavily regulated entities and each state can have different regulations, some states still allow providers to offer rates based on your credit history and leaves it up to the provider to determine what number "good" credit really is...While rates generally always go up here, the older you get your rates often go down...There's simply no way to add a fixed insurance fee here unless the business model is changed first...https://techcrunch.com/2017/02/22/t...ed&utm_campaign=Feed:+Techcrunch+(TechCrunch)
Essentially, your out the door price is all you will ever pay for your Tesla except for electricity and depending on the car, that may even be included.
Part of the argument is that insurance companies are not lowering insurance costs for a much safer, easier to fix/maintain vehicle. They might even be self insuring their product.
Seems like an interesting concept.