Calling around definitely works, but I’d add—when you’re comparing quotes, make sure you’re looking at the same coverage levels and deductibles. Sometimes a lower price just means less coverage. And yeah, defensive driving discounts are real, but also check for things like good student or multi-policy discounts. It’s not glamorous, but it can save you a chunk over time.
Sometimes a lower price just means less coverage.
Yeah, learned that one the hard way when I tried to save a few bucks and ended up with a policy that wouldn’t even cover my side mirror if a squirrel sneezed on it. Anyone ever try getting classic car insurance in Delaware? I swear, half the agents don’t know what to do with a ‘72 Chevelle. Do you guys bundle your daily drivers and classics, or keep ‘em separate? I’ve heard both ways can be cheaper, but never figured out which actually works out better.
- Totally get what you mean about agents being clueless with classics.
- I keep my daily and my weekend car separate—my Benz is bundled with the house, but my ‘68 Mustang’s on a specialty policy.
- Bundling sounded cheaper, but the classic coverage was way too basic for what I wanted.
- If you want agreed value and actual restoration coverage, those classic policies are usually worth the hassle, even if it means juggling two companies.
- Delaware’s not the easiest state for this stuff... but at least the roads are fun.
Man, Delaware insurance is a headache, especially if you’ve had a ticket or two. I tried bundling my daily and my ‘70 Charger—no way the classic got proper coverage. Ended up with Hagerty for the Charger and just deal with the extra bill. Worth it for agreed value, honestly.
Ended up with Hagerty for the Charger and just deal with the extra bill. Worth it for agreed value, honestly.
Bundling’s always pitched as the big money-saver, but in my experience it’s rarely worth it for anything out of the ordinary. My daily and my wife’s SUV are on the same policy, but when I tried to add my old F-150 (not even a classic), the rates got weirdly high and coverage limits didn’t match what I wanted.
- Tickets definitely make Delaware insurers twitchy.
- Agreed value for older cars is a must, totally get why you went with Hagerty.
- The “multi-car discount” isn’t always a real deal once you factor in proper coverage.
Honestly, it feels like you have to piece together three different policies just to get what makes sense.
