I Expected Insurance to Be Brutal. It Wasn’t.

I went into this fully expecting Cybertruck insurance to be brutal. It’s one of the most common warnings I heard — expensive repairs, EV risk, “just wait until you see the insurance.” So before taking delivery, I pulled multiple quotes using the same coverage and the same driver profile to see what the reality actually looked like. What I found surprised me. In this video, I walk through: The insurance quotes I received (same coverage, different carriers) What I expected going in vs. what actually showed up Why the range between insurers mattered more than the headline number How this changed (and didn’t change) the overall decision This isn’t about saying insurance is cheap — it’s about replacing assumptions with real numbers. If you’re considering a Cybertruck (or any EV) and trying to understand the real ownership picture, I hope this helps you make a more informed call. ---------------------------------------------------------------- Playlist with all the videos in this series: https://www.youtube.com/playlist?list=PLCUmTmOMwtTGLtP8M8VVgLNaALk0y4WYt ---------------------------------------------------------------- Tesla Referral Code: https://www.tesla.com/referral/andrew15710 ---------------------------------------------------------------- I recently began to up my game with some new lighting/video gear. Hopefully you can see the difference! Lighting: - Amaran 100d Video Light: https://www.amazon.com/Amaran-Video-Daylight-Upgrade-Version/dp/B08RMNKDHR?_encoding=UTF8&pd_rd_w=X0QIM&content-id=amzn1.sym.4efc43db-939e-4a80-abaf-50c6a6b8c631%3Aamzn1.symc.5a16118f-86f0-44cd-8e3e-6c5f82df43d0&pf_rd_p=4efc43db-939e-4a80-abaf-50c6a6b8c631&pf_rd_r=VC9JKAR9WA0JZQ4REQ3K&pd_rd_wg=ZVJxJ&pd_rd_r=7082ec10-c0eb-4ad9-bc97-98ef8227bff2&linkCode=ll1&tag=weekendgoldof-20&linkId=f09c735ee1985508fdd83ba6ce694f89&language=en_US&ref_=as_li_ss_tl Hardware: - RTX 5070 GPU: https://www.amazon.com/MSI-GeForce-RTX-5070-Shadow/dp/B0DZCYPFVT?crid=3NOTIA0CVM5VO&dib=eyJ2IjoiMSJ9.DNe6aTSHSim5fpD95hQ-IoxpxtN70kfccMtI_25FTpSbJRSXQpEo1S-GkAGTg0cF1BCyvy5Y8vwO44R0dWveYwtoXiRuUlLBk9rvmXOt47TyUZhJHcYtlmYpbks4OfRW774ZsIDNX7EhyXFYRjmSZJK99WyF_GbaIohTJAYiEtVX2MhjiJ0Vkhv_9WZkkQmvJG73Z7k-SBArZjtzf8HJyALEunrTTU0IDdOWIKSLDk4.ql2xc1ouKvqzM8V7Yug9lWjp23EuMqKKKoPxO_ftips&dib_tag=se&keywords=rtx%2B5070%2Bshadow%2B2x&qid=1766462846&sprefix=rtx%2B5070%2Bshadow%2Caps%2C171&sr=8-1&th=1&linkCode=ll1&tag=weekendgoldof-20&linkId=38998ffb1b74482d9fdecf04ff5cb9b7&language=en_US&ref_=as_li_ss_tl - DJI Mic 2: https://www.amazon.com/DJI-Microphone-Intelligent-Cancelling-Recording/dp/B0CFZX734J?crid=1J67HBMGAZK1X&dib=eyJ2IjoiMSJ9.n7MMKm1WiSLTWbNAkRnok-UIeFhvySri6ZMMZRj31kmQTY3aYlpdwlXBH-nynRfYNoIKf6nTpQeFFXoF5Wc_b1edxfPtmmpzhJcEDgiMJmuskfMxkrhh6k7RWmdC7RQz9BlM8lMjQQ213gBMw2MSGBURTMqXgB6Qbj_7fC5Lnis6Be5wK9ZwbumpIF5KRVTLg7qhhxpMAMKbAVkGl31_3oPnJU3ERY-H3N_3FrR2NmfshJQ_g0yq7NNCd2CCTOD1TQ7Xei37ui3Mq5DotomhqjCOPoTwH14WfyZ_2jBtykg.pl-UsnQlHO1SQwvmS51BRP9mJ_HU2X5lfyZiiahP_5Q&dib_tag=se&keywords=dji%2Bmic%2B2&qid=1768768117&sprefix=dji%2Bmic%2B%2Caps%2C200&sr=8-6&th=1&linkCode=ll1&tag=weekendgoldof-20&linkId=ec05333f665d38d621e36df6c6ab4aab&language=en_US&ref_=as_li_ss_tl - DJI Osmo 8 Phon Gimbal: https://www.amazon.com/DJI-Stabilizer-Tracking-Extension-Stabilization/dp/B0FJ2L67HJ?crid=11UU0DUGGG0R8&dib=eyJ2IjoiMSJ9.aiMbPfKoJ4srq1UHiioBDTetqBN1A4XLN_NIsGu8xA1bD2MSHDcp5TeOGU1xw_I7rzTnZNKhPrXKax8weqgjvAb50KVM6es_B2OWsNKLLlCndM6HjvpnKUyMgxmqqdEnUW5qZ7W7WTkh3Ub1OQhiBN3VpIAYrUusOBuInrEzUX-r-_90PoJtbqLddI8zI9iCWSonvmqXZ8x0Dod99N_NOrOjKBscsppH29i-yxGB7j3HRF3BnM9ydbjuy17dYdGR7vF7eE2SN_XOoIk0gmr5enIezZq4-jExwt1mL9lvDBo.0dhrsPdU-pPrH9bXaUyoV6bBkSYzuDSAU9Zt7L--vh4&dib_tag=se&keywords=dji+osmo+8&qid=1766463109&s=electronics&sprefix=osmo+8%2Celectronics%2C172&sr=1-1&linkCode=ll1&tag=weekendgoldof-20&linkId=5b3f742ae3edf0cd37147045898bacc2&language=en_US&ref_=as_li_ss_tl (As an Amazon Affiliate I earn from qualifying purchases.) #Cybertruck #ModelY #FamilyLife #newyear2026 #Tesla #Insurance