The tech isn’t always the lesser evil—sometimes it’s just... another option.
Couldn’t agree more. I drive a ‘72 Nova and there’s no way I’m letting some tracker judge my “spirited” Sunday drives. Here’s what’s worked for me: 1) Figure out what coverage you actually need (most folks over-insure), 2) Call around—don’t just use online quotes, and 3) Ask about classic car policies or low mileage discounts. I saved a chunk just by proving I barely drive mine. Telematics isn’t the only game in town, especially if you’re willing to do a little legwork.
I keep seeing people talk about “classic car” policies, but does that even work if your car isn’t technically a classic? I’ve got a 2015 sedan and barely drive it—maybe 3k miles a year—so I’m wondering if low mileage discounts are really that much of a game changer. Also, when you call around, do the agents actually give you better deals than what’s online, or is it just more hassle for the same price?
I get where you’re coming from—“classic car” policies sound tempting, but they’re usually strict about what qualifies. A 2015 sedan probably won’t make the cut, unfortunately. Low mileage discounts can help, though. They’re not always huge, but for folks who barely drive, it can shave a bit off your premium. As for calling agents, I’ve seen both sides. Sometimes you’ll get a rep who can find a promo or tweak things that the online quote missed, but often it’s just the same numbers with more hassle. It’s worth a shot if you’ve got the patience... just don’t expect miracles.
Yeah, I’ve tried the “classic car” loophole too—no dice with anything remotely modern. The low mileage thing is about all I’ve got going for me since I barely drive anymore. It’s not a game-changer, but hey, every little bit helps when you’re flagged as high-risk. Honestly, I’ve found that calling agents can be hit or miss. Sometimes they’ll dig up a random discount, but usually it’s just the same stuff you see online, only with more hold music.
One thing I’d add: if you’ve got any tickets or accidents on your record (like me), some companies are way less forgiving than others. I had one place quote me double what another did, just because of a fender bender from two years ago. It pays to shop around, even if it’s a pain. And yeah, don’t expect miracles—Delaware rates aren’t exactly friendly if you’re not squeaky clean.
Honestly, I get where you're coming from about agents just repeating what’s online, but sometimes it’s worth digging a little deeper with them. Not every discount is advertised—things like professional affiliations or defensive driving courses can slip through the cracks if you don’t specifically ask. Also, some companies actually do “accident forgiveness” after a few years, even if they don’t shout about it. It’s tedious, yeah, but I’ve seen folks knock off a chunk just by pressing for those less obvious perks... Delaware’s tough, but there are a few hidden levers if you’re persistent.
