Interesting point about aftermarket parts... I always wondered how much insurers really care about that stuff. Had a minor scrape last year with my Audi, and the body shop pushed hard for OEM parts. My insurer didn't blink, but maybe that's just luck? Delaware does seem hit or miss with this stuff. Makes me curious—anyone ever successfully negotiated better terms after pointing out competitor policies? Seems like they'd budge if you had a good offer elsewhere...
I've found insurers can be surprisingly flexible if you bring up a competitor's offer, especially if you're considered higher-risk (like me). Last renewal, I mentioned a lower quote from another company, and my current insurer matched it without much fuss. But I'm curious—does anyone know if pushing for OEM parts could negatively affect premiums down the line? I'd rather not save a few bucks now only to pay more later...
I've looked into this before, and here's how it usually plays out: insurers typically prefer aftermarket parts because they're cheaper, right? If you insist on OEM parts, your insurer might agree (especially if you're firm and polite about it), but they'll note it in your policy. Down the road, this could slightly bump your premiums since you're technically costing them more per claim. It's not a huge jump, but something to keep in mind. Honestly, I'd weigh how much OEM parts matter to you personally versus the potential premium increase...
Honestly, as someone who's had a few too many "oops" moments behind the wheel, I'd say skip the OEM parts unless you're driving something super fancy or planning to keep it forever. I've gone aftermarket plenty of times—never noticed a difference in performance or safety. Premium hikes add up fast, especially if you're already paying extra for being high-risk (trust me on this one...). Save your cash for gas and snacks instead.
I've wondered about aftermarket parts too, but doesn't it depend on what you're replacing? Like, brakes or airbags—I might feel safer sticking with OEM. But headlights or mirrors... aftermarket all the way, snacks aren't cheap these days.
