"felt like I was getting penalized for just trying not to rear-end someone in rush hour traffic."
Haha, literally my exact experience! I tried Snapshot briefly but felt weirdly guilty every time I braked hard—like, sorry for not crashing?? Ended up with Donegal too, and it’s been chill so far. Glad I'm not alone here...
Same here, Snapshot made me way too anxious about braking. One tip I've found helpful is checking if your insurer offers defensive driving course discounts—saved me a decent chunk and eased my mind a bit in traffic...
Totally feel you on Snapshot—I swear it turned me into the world's most paranoid braker. Defensive driving courses are a solid shout, though. I took one last summer (mostly to convince my mom I wasn't a total hazard on wheels), and turns out it knocked a nice chunk off my premium. Also, random tip: bundling renter's insurance with car insurance saved me more than I expected...who knew adulting had combo deals like fast food menus?
"who knew adulting had combo deals like fast food menus?"
Haha, seriously... bundling saved me enough to justify my coffee addiction. Defensive driving courses are great too—though mine was mostly just a refresher on how bad everyone else drives. Has anyone tried switching insurers every couple years? Heard from a buddy it keeps rates competitive, but sounds like a hassle... worth the trouble or nah?
Switching insurers every couple years can definitely pay off, but it's not always a slam dunk. A few things I've noticed from personal experience:
- **Pros:**
- You usually snag those sweet "new customer" discounts.
- Forces you to reassess your coverage regularly, which isn't a bad habit to have.
- Sometimes you stumble onto better customer service or perks you didn't even know existed.
- **Cons:**
- It can be a bit of a hassle—paperwork, phone calls, and all that jazz.
- Loyalty perks vanish (though honestly, these aren't always that great anyway).
- If you're accident-prone or have tickets, switching might not always net you savings.
"Defensive driving courses are great too—though mine was mostly just a refresher on how bad everyone else drives."
Haha, relatable. But seriously, those courses are underrated. Delaware actually gives you a decent discount for completing one, and it lasts for three years. Plus, it's a good reminder that turn signals exist for a reason...
Bottom line: if you're organized enough to handle the switch every couple years without losing your mind, it's usually worth it. Just don't expect miracles every time.
