{"id":21495,"date":"2026-07-27T23:39:31","date_gmt":"2026-07-28T03:39:31","guid":{"rendered":"https:\/\/nycphantom.com\/journal\/?p=21495"},"modified":"2026-08-05T14:02:49","modified_gmt":"2026-08-05T18:02:49","slug":"journal-of-the-week-126","status":"publish","type":"post","link":"https:\/\/nycphantom.com\/journal\/?p=21495","title":{"rendered":"Journal of the Week"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>7\/31\/2026 Friday<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Called Geico and NJM for Insurance quotes for Tesla Model Y as we have the VIN number now from Tesla App, here's the Granola summary of the call:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Vehicle and Policy Details<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2026 Tesla Model Y Long Range, AWD Premium<\/li>\n\n\n\n<li>Replacing the 2012 Honda CRV<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Geico Quote (Current Insurer)<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Current CRV monthly premium: $101 ($580 for six months, includes installment fees)<\/li>\n\n\n\n<li>Tesla quote: $252\/month (replacing CRV, not adding to it) that would be about <strong>$3,024\/year<\/strong><\/li>\n\n\n\n<li>Increase of ~$809 over six months vs. current policy<\/li>\n\n\n\n<li>Quote saved in Geico app; can call back to finalize<\/li>\n\n\n\n<li>Geico hours: 7AM\u20139PM daily<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">NJM Quote<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Full coverage quoted (comprehensive + collision required by TD Bank)<\/li>\n\n\n\n<li>Key coverages:\n<ul class=\"wp-block-list\">\n<li>Liability: 50k\/person, 100k\/occurrence, 50k property damage<\/li>\n\n\n\n<li>Uninsured\/underinsured: 35k\/person, 70k\/occurrence, 25k property damage<\/li>\n\n\n\n<li>Medical: $15k limit, $2,500 deductible<\/li>\n\n\n\n<li>Comprehensive + collision: $2,500 deductible each (Nadia's<strong> 1199 Insurance not likely want to be primary payer<\/strong>)<\/li>\n\n\n\n<li>Roadside assistance added: $50\/year<\/li>\n\n\n\n<li>Non-medical benefits (income continuation, funeral): removed<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>NJM Thrive app discount: 5% off for tracking driving<\/li>\n\n\n\n<li>Three payment options:\n<ol class=\"wp-block-list\">\n<li>10-month installment: $1,847\/year ($188 first month, $184 next 8, $187 last)<\/li>\n\n\n\n<li>Autopay: $1,789\/year ($182 first month, $178 next 8, $183 last)<\/li>\n\n\n\n<li>Paid in full: <strong>$1,731\/year<\/strong>, that's like $144.25\/month<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>NJM<\/strong> seems to give better deal than <strong>Progressive <\/strong>which Nadia called before that quoted her: <strong>$2100\/year<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7\/26\/2026 Sunday<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I placed the $250 reservation for the <strong>Tesla Model Y Premium<\/strong> in the Tesla App:<br><strong>Model Y Premium All-Wheel <\/strong>Drive $49,990<br><strong>Pearl White Exterior <\/strong>Paint ($1000 extra)<br>19\u2019\u2019 Crossflow Wheels<br>All Black Premium Interior<br>Five Seat Interior<br>Traffic-Aware Cruise Control<br>Standard Connectivity<br><strong>Subscription<\/strong><br>FSD (Supervised) Subscription $99\/mo (after 3 months trial)<br>Destination Fee $1,390<br><strong>Health Care incentive -$500<\/strong><br><strong>State Tax incentive -$1,500<\/strong><br>Trade-in of our Honda CRV 2012 is supposed to be $5,400<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With all tax and other fees (destination, title, registration, etc.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will end up <strong>financing for $691.86 per month for 72 months<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7\/27\/2026 Monday<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Followed <strong>Tesla App<\/strong> instructions to <strong>take photos of trade-in CRV 2012<\/strong>, and submitted credit report check for both myself and Nadia (co-owner). Now the trade-in is pending offer \"We'll reach out to you when there is an offer ready for review\", and waiting for step 5 \"Check back later - we'll notify you when it's time to schedule your delivery appointment: Estimated Delivery Aug 8 - Sept 5\"<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>7\/31\/2026 Friday Called Geico and NJM for Insurance quotes for Tesla Model Y as we have the VIN number now from Tesla App, here's the Granola summary of the call: Vehicle and Policy Details Geico Quote (Current Insurer) NJM Quote &hellip; <a href=\"https:\/\/nycphantom.com\/journal\/?p=21495\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-21495","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/posts\/21495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21495"}],"version-history":[{"count":5,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/posts\/21495\/revisions"}],"predecessor-version":[{"id":21559,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=\/wp\/v2\/posts\/21495\/revisions\/21559"}],"wp:attachment":[{"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nycphantom.com\/journal\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}