Tesla is not only changing the car industry. It is also the first automaker that has quietly begun to sell car insurance. In the future, Tesla plans to include insurance in the price of its vehicles. Why? Because self-driving cars will completely disrupt the insurance industry. Since Tesla installed autopilot in its models in 2015 the crash rates for Tesla cars has plummeted 40 percent. And a KPMG report projects that the insurance sector could shrink with a similar percentage within 25 years as cars become safer through self-driving technology.