Ended up doing most of it online anyway... less awkward that way.
Honestly, I get where you’re coming from. Some agents do have a knack for making you feel like you need every bell and whistle. It’s like going to the car wash for a basic and somehow driving out with the “Platinum Deluxe Underbody Shine” package. Been there.
But hey, props for finding what works for you. Doing it online can definitely cut down on the small talk and the “are you sure you don’t want roadside assistance for your goldfish?” moments. That said, if you ever want to double-check that you’re not missing something important (Delaware has some weird rules), it never hurts to ask questions—even if it’s just via chat or email.
Finding decent insurance without losing your mind is basically a rite of passage around here. If you made it through without wanting to throw your laptop out the window, I’d call that a win.
Doing it online can definitely cut down on the small talk and the “are you sure you don’t want roadside assistance for your goldfish?” moments.
I get the appeal of skipping the sales pitch, but sometimes those “extras” actually save money in the long run. I’ve seen folks decline rental coverage to save a few bucks, then regret it after a fender bender. Online is convenient, but a quick call can clear up what’s really necessary vs. just fluff. Delaware’s minimums are pretty barebones, too—worth double-checking if you’re actually covered for what matters.
Honestly, I thought I was being smart by skipping all the “extras” when I first moved here. Then my car got rear-ended in a parking lot and I realized my barebones policy didn’t cover a rental while mine was in the shop. That week of scrambling for rides was rough. Now, I always do a quick comparison—minimums vs. what I’d actually need if something went sideways. Delaware’s requirements really are just the basics, so it’s worth digging into the details before clicking “buy.”
That’s a tough lesson—been there myself. I get why people stick with the minimums, but
Have you found any add-ons that actually felt worth the extra cost, or do most seem like overkill? Sometimes I wonder if roadside assistance is just paying for peace of mind...“Delaware’s requirements really are just the basics, so it’s worth digging into the details before clicking ‘buy.’”
Honestly, I used to think all those add-ons were just ways for the insurance companies to squeeze a few extra bucks out of you. But after my old Subaru died on the side of Route 1 in the middle of a thunderstorm (of course it was pouring), I started seeing roadside assistance in a different light. Towing alone would've cost me more than what I pay for the whole year with the add-on.
That said, things like rental car coverage or glass protection? I skip those. My car’s not fancy, and if something happens to the windshield, I’ll usually just pay out of pocket unless it’s a total disaster. For me, roadside is worth it for peace of mind—especially since I do a lot of road trips—but most of the other extras feel unnecessary unless you’ve got a newer car or drive a ton for work.
Guess it really depends on your situation and how much hassle you’re willing to risk versus what you want to pay up front.
