All-aluminum bodies, for one, but Musk is working on it:
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Tesla's policy sold through State National charges an average of $2,965 for a 30-year-old male driving a 2019 Tesla model 3. That's 22% cheaper than the statewide average for a new Model 3; however, GEICO, AAA of Northern California and Progressive all had more competitive rates.
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State National and Tesla have said they have three strategies for reducing rates: reducing repair costs by providing service directly from Tesla service centers, adding an autopilot discount, and lowering the commission normally taken by an insurance company.
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Tesla says they can do body work cheaper than third-party shops.