> Last I checked insurance companies gave a discount for AP Tesla’s over non AP Tesla’s suggesting the opposite. Do you some support backing this up?

Insurance companies may do this because it is a strong signal the customer is gullible to questionable upsells. Maybe they've found that statistically they can sell them more things like overpriced umbrella insurance through direct mail marketing pack ins with their car insurance bill.

(edit: opps, I misread AP as FSD)