Totally get where you're coming from on this. I've been tempted by smaller insurers a few times myself, but honestly, when you're driving something higher-end, convenience and reliability become pretty crucial. Still, don't completely rule out the little guys—sometimes they're hungry enough to offer perks or flexibility the big names won't. Just gotta be ready to vet them carefully: check reviews, test their customer service response time, and maybe even ask around locally before committing. It's a bit more legwork, but occasionally worth it.
Good points there, especially about vetting smaller insurers carefully. One thing I'd add, though—don't underestimate the importance of checking their claims handling process. I've seen folks get great rates upfront, only to end up stuck in a frustrating back-and-forth when they actually need coverage. Here's my usual approach:
1. Check online reviews specifically mentioning claims experiences (Google, Yelp, or even Reddit threads).
2. Call their claims department directly—see how quickly you can reach a real person and gauge their responsiveness.
3. Ask about their network of approved repair shops, especially if you're driving something higher-end or specialized.
I learned the hard way a few years back when my previous insurer dragged their feet on repairs after a minor accident. Since then, I'm all about thorough checking beforehand.
Speaking of which... has anyone here had experience with Delaware-specific insurers that handle luxury or performance cars particularly well? Curious if there's a local standout I haven't heard of yet.
Solid advice there, especially calling the claims department directly—never thought of that one. I usually just cross my fingers and hope for the best (budget life, lol). Might actually try your method next renewal...
