"insurance dragged their feet for weeks trying to sort out whose story checked out."
Couldn't agree more with this. Insurance companies can really drag things out when there's no clear evidence. Dashcams definitely streamline the process. Another tip I've found useful in Delaware is checking if your insurer offers discounts for defensive driving courses—it's a small time investment but can noticeably lower your premiums, especially if you're insuring a higher-end vehicle. Worth looking into if you haven't already.
Dashcams are definitely a lifesaver—I learned that the hard way after a minor fender bender near Wilmington. Insurance kept going back and forth for weeks until I finally showed them my footage. Wish I'd known about defensive driving discounts sooner though...could've saved some cash.
"Wish I'd known about defensive driving discounts sooner though...could've saved some cash."
Completely agree—those defensive driving courses are surprisingly helpful. Also, don't overlook multi-car policies if you've got more than one vehicle; bundling ours saved us a decent chunk annually. Worth checking out.
Defensive driving discounts are decent, but honestly, I've found loyalty discounts to be a bit overrated. I stuck with the same insurer for years thinking it'd pay off, but when I finally shopped around, switching companies actually saved me way more than bundling or defensive driving ever did. Sometimes insurers bank on us being too comfortable to check elsewhere...lesson learned the hard way.
"Sometimes insurers bank on us being too comfortable to check elsewhere...lesson learned the hard way."
Yeah, I feel this. A couple years back, I was convinced my loyalty discount was unbeatable until a friend casually mentioned how much less they were paying. Got me wondering—are these loyalty perks just marketing fluff? Ended up shopping around and found a much better deal myself. Makes me skeptical about all these "special discounts"...anyone actually found one that's consistently worth it?
