My understanding is that Tesla is doing this because it believes that car insurance companies are charging rates that are too high because Tesla's cars and its

My understanding is that Tesla is doing this because it believes that car insurance companies are charging rates that are too high because Tesla's cars and its whole business model are so different from the ones they are used to insuring and so they don't properly understand them. It will be interesting to see if Tesla is right about this and it can charge lower rates without losing money.