"Fast forward to a freezing morning, turned on the defroster and watched that tiny chip slowly spiderweb across the windshield...ugh."
Been there, done that—though my mishap involved a classic Mustang and a suspiciously innocent-looking pothole. I wholeheartedly agree about checking policy details; Delaware insurers can surprise you with perks like roadside assistance or even classic car coverage options tucked away in the fine print. It's funny how we usually find these hidden gems only after something goes wrong...lesson learned, I suppose.
Had something similar happen with my Civic last winter—except mine involved an icy morning and a windshield scraper that was apparently too eager. I barely touched the glass, and that tiny chip I ignored for months turned into a spiderweb in seconds. Lesson learned for sure.
Speaking of hidden perks, I've noticed some Delaware insurers quietly include windshield replacement coverage without deductibles. I stumbled on that after my incident (of course), but it's definitely worth double-checking your policy. It's one of those things you never think you'll need until you're staring at cracked glass on a freezing morning.
A friend also mentioned her insurer offered discounts if she took a defensive driving class. Kind of random, but saving a few bucks never hurts, especially when car troubles seem to pop up at the worst times.
Anyway, good luck getting that windshield sorted—it always feels like such a hassle, but usually ends up simpler than expected. Hang in there!
That's interesting about the windshield coverage—didn't realize some insurers included that without deductibles. But honestly, I wonder if those defensive driving classes actually save enough money to justify the time and cost involved. Has anyone actually crunched the numbers on that? Seems like it could be more hassle than it's worth, especially if the discount is minimal...
"But honestly, I wonder if those defensive driving classes actually save enough money to justify the time and cost involved."
I've actually looked into this quite a bit for clients here in Delaware. Typically, defensive driving courses can net you around a 10% discount on your liability and collision premiums, which usually lasts about three years. If your premium is on the higher side, that can add up pretty quickly—often covering the course fee within the first year. But if you're already paying lower rates, it might not be as significant. I'd suggest checking your current premium and doing a quick calculation before signing up...
"Typically, defensive driving courses can net you around a 10% discount on your liability and collision premiums, which usually lasts about three years."
Yeah, that's pretty much been my experience too. Took one of these courses a couple years back here in Delaware, and I was initially skeptical about the savings. My premiums weren't sky-high, but they weren't exactly cheap either. After crunching numbers, it turned out I'd break even in about eight months or so, and after that it was just straight-up savings.
Another thing worth mentioning though—beyond the financial side—is that the class itself actually had some decent tips. I mean, sure, parts of it felt like common sense stuff (leave extra space between cars...duh), but there were some eye-opening stats about accident prevention that stuck with me. Can't exactly put a price tag on peace of mind, right? So if you're borderline on the math side of things, maybe consider if those safety refreshers might be valuable for you personally.
