I also have a Model Y. Liberty Mutual tried to jack up my rate 40% this year. The whole increase was in the collision and comp portion of the premium. I contacted my agent, and he advised that if I didn't renew and started a new plan instead, I could save a bunch. My premium ended up basically staying the same. He kind of explained that they were using a new formula for new policies in PA. Regardless, it stopped my costs from going up.