Yeah, defensive driving discounts aren't huge, but they do stack up over time. I've renewed mine twice now—it's a hassle, sure, but every bit counts. Agree 100% on tires though... tech won't save you from bald rubber.
Totally agree on the tires point—no amount of lane assist or collision avoidance is gonna make up for worn-out rubber. Learned that the hard way when my old BMW slid through an intersection on a rainy day... thankfully no harm done, but lesson learned.
Speaking of discounts stacking up, anyone here tried bundling policies in Delaware? I've heard mixed things—some say it's worth it, others claim separate policies end up cheaper if you shop around enough. I've always bundled home and auto out of convenience, but lately I'm wondering if I'm leaving money on the table. Curious if anyone's done the math or found a sweet spot with certain insurers around here.
Bundling has always seemed convenient to me too, but lately I've been questioning it. When I renewed last year, I checked around briefly and noticed some insurers gave better auto rates but worse home rates, and vice versa. Makes me wonder if splitting policies could actually save money overall... Has anyone tried splitting home and auto between two different companies in DE and ended up with better coverage or rates? Curious if the hassle is really worth it.
I've been considering splitting mine too, but honestly, the thought of managing two separate policies makes me a bit uneasy. Seems like it could get messy if there's ever a claim or coverage overlap issue. Maybe it's cheaper, but I'd rather pay slightly more and have peace of mind than risk gaps in coverage. Has anyone actually had to deal with claims across two companies? Wonder how smoothly that went...
I get the hesitation—managing two policies does sound like a headache waiting to happen. I've never personally split mine, but a buddy of mine did after moving to Delaware. He had one policy for liability and another for comprehensive coverage (trying to save a few bucks). It was fine until he had a windshield claim...then it turned into a bit of a ping-pong match between the two companies. Eventually got sorted, but he said it wasn't exactly smooth sailing. Maybe worth the savings, maybe not?
