Also, from that article, it looks like the NHTSA found that crashes were 40% lower in cars with autopilot. [2] I don't know enough about insurance and how it works to know if that counts at all, but it shows that it's not all marketing fluff.
[1] https://www.businessinsider.com/tesla-liberty-mutual-create-...
[2] https://www.businessinsider.com/tesla-autopilot-cuts-crash-r...
"Liberty Mutual Insurance offers discounts for various electronic safety features; such as Adaptive Cruise Control, Adaptive Headlights, Collision Preparation Systems (including automatic braking), Blind Spot Warning, Lane Departure Warning and Rear-View Cameras"
I'd be interested in seeing crash data for Teslas compared with other $50-$130k cars less than 5 years old.
I don't know it well enough to know if there were other factors at play, but it wasn't just that Teslas in general were less likely to crash, only the ones with AP hardware installed.
That's all marketing fluff.
The only U.S. insurance company offering such a discount is some random startup insurance company available to only a small percent of the population. The company is about 2 years old, requires significant tracking of your driving behavior, and it's entirely unclear why they are offering the discount.
The only UK insurance company offering such a discount said “it was too early to say whether the use of the autopilot system produced a safety record that justified lower premiums. It said it was charging less to encourage use of the system and aid research.” It made this decision working closely together with Tesla, it wasn't based on any actuarial data.