"Also, anyone know if Delaware insurers give discounts for low mileage?"
- Just started shopping around myself—first-time buyer here.
- From what I've seen, some Delaware insurers do offer low-mileage discounts, but they vary quite a bit.
- Curious if anyone's found a specific mileage threshold that triggers better savings?
When I first got my car, I was convinced I'd score some sweet savings by barely driving—like, "hello, insurance, I promise I'm just a hermit who occasionally needs groceries." Turns out, Delaware insurers do offer discounts, but they're kinda all over the place. One rep mentioned something around 7,500 miles/year as a threshold, but another said it depends on the company. So yeah, keep digging...and welcome to the wonderful world of insurance shopping, where clarity goes to die. You've got this though!
"Turns out, Delaware insurers do offer discounts, but they're kinda all over the place."
Yeah, that's pretty spot-on. When I moved here, I thought I'd cracked the code by keeping my mileage super low—like under 5k a year. But turns out some insurers barely cared, while others treated me like I'd discovered fire or something. Best bet is to ask specifically about usage-based programs (those little trackers). They're not for everyone, but if you're truly a grocery-run hermit, they might actually save you some cash...
Best bet is to ask specifically about usage-based programs (those little trackers). They're not for everyone, but if you're truly a grocery-run hermit, they might actually save you some cash...
Yeah, usage trackers can help, but heads up—if you're high-risk like me (tickets, fender-benders, etc.), some insurers won't even offer them. Best to shop around carefully and don't assume low mileage alone will bail you out... learned that the hard way.
Best to shop around carefully and don't assume low mileage alone will bail you out... learned that the hard way.
Totally get what you're saying about mileage not being the magic bullet. A friend of mine barely drives—like, legit grocery runs and the occasional coffee—but had a couple minor scrapes and suddenly those trackers weren't an option anymore. Still, if your record's decent, they can be a nice little bonus. And hey, don't beat yourself up too much... insurance shopping is always a bit of trial and error, right?
