Delaware’s rates are wild, but sometimes just asking more questions—or being a little stubborn—gets you further than any online form ever will.
You nailed it. I once spent an hour on the phone with a rep just to get a $70 discount because I pointed out my car barely leaves the garage. Felt like haggling at a flea market, but hey, worth it. The “accident forgiveness” thing cracks me up—people think it’s magic until they see the exclusions list is longer than the DMV line on a Monday.
I hear you on the “accident forgiveness”—it’s like a unicorn until you read the fine print. I’ve had better luck just being persistent about low mileage, too. Has anyone actually seen a real benefit from bundling policies, or is that just another sales pitch?
Bundling can be hit or miss, honestly. Sometimes you get a decent discount, but other times it barely moves the needle—depends on the company and what you’re bundling. I’ve seen folks save 15-20% when they combine auto and home, but if your home insurance is already pricey, it kind of cancels out the benefit. If you’re already getting a low rate for low mileage, you might not see much extra from bundling... but it doesn’t hurt to ask for quotes both ways. The fine print really is where they get you, every time.
Honestly, I’ve run the numbers on bundling more times than I care to admit, and it’s rarely as straightforward as they make it sound. With higher-end cars, insurers love to tack on “special” surcharges, so that 15% discount can evaporate fast. Last year, I bundled with my home policy and ended up paying more after all the little add-ons—go figure. Sometimes it feels like you need a spreadsheet just to keep track of what’s actually saving you money... or not. Always read the fine print twice, especially if your car isn’t exactly run-of-the-mill.
Totally get where you’re coming from. It’s wild how those “discounts” can disappear once all the extras show up on the bill. I’ve had to double-check my own policies more than once, especially after they tried to sneak in a glass coverage fee I didn’t even ask for. It’s frustrating, but you’re right—reading every line really does pay off.
