Ensure a Smooth Ride in Your Electric Vehicle


They’re fast, they’re cool, and they’re multiplying.

Currently, Tesla has the market cornered on luxury electric vehicles (EVs) with its well-reviewed Model S. But the market will soon be expanding—both Audi and Porsche unveiled high-end EVs at last month’s Frankfurt Auto Show that are expected to be available in 2018 and 2019, respectively.

If you are planning to purchase an EV, it’s not going to be an ordinary car-owning experience. On the practical side, EVs are eligible for a federal tax credit of $7,500 and local tax credits and rebates of up to $9,500, depending on your state. On the sexy side, a new version of the Model S can accelerate to 60 miles per hour in just 2.8 seconds. (Compare that to 8 seconds for a vehicle like the Toyota Camry.)

Plus, there’s more to think about than where the nearest charging station is located in your city or region. There’s also insurance to consider.

An asset like an electric vehicle can come with specific requirements that don’t play well with mass-market insurance. You can’t use after-market parts in a Tesla, and the garage down the street isn’t going to be able to do repairs—two stipulations that are typical in mass-market insurance policies. So you’ll need insurance that will pay for OEM (original equipment manufacturer) parts, and that will allow you to choose the repair shop of your choice, all without hassle.

Kelly Klee represents superior insurance products that tick these boxes and more, such as agreed value versus market value. Because the used market for EVs is still developing, a mass-market insurer is likely to lowball a totaled EV. Compare that to Chubb, a Kelly Klee carrier that will negotiate your car’s value when you first take out a policy, so that there is no question about what it’s worth if something happens to it later. The irritation of an insurance-claim negotiation is completely removed.

Another important feature is having great claims service and roadside assistance. If a gasoline-powered vehicle fails, it can be fairly easily pushed or towed somewhere nearby. Not so with an EV. You may have no idea where the nearest qualified repair facility is located. But our insurers do. Kelly Klee only works with carriers that provide superior customer service, so there will always be someone helpful and knowledgeable to assist you in getting your life back to normal as quickly as possible.

Choosing an EV saves fossil fuels. Choosing the right insurance for your EV saves frustration. Contact us before you make your purchase and we’ll smooth the way for you to enjoy your new ride.

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