Getting car insurance quotes Ireland is not that difficult. There are a number of third party sites that offer them. This will give you a much broader overview of the coverage options in your area than if you were to just call up one company and get a quote. As long as you have access to an internet, you are all set.
Obviously, everyone knows how to get a quote, but how do you save money? That is a bit more complex. While many of the factors that affect price are out of your control, you can directly influence a lot of them.
What variables do companies look for when determining the premium?
Here are the most important factors: the kind of vehicle you drive, how old you are, your road record, where you live, etc. All of these things affect the price you pay for either multi car insurance or single.
Obviously some are easier to change than others are. However, when you take five simple steps you can dramatically lower your monthly premium:
#1) Pay a higher deductible
This is the simplest and easiest method for saving money. What is the deductible? This is simply what you are on the hook for before the claim kicks in.
For instance, if your car is stolen, and you have a $500 deductible, you have to pay $500 out of your own pocket before the coverage will pay you for the rest. The higher the deductible, the less you will pay for your monthly premium.
Again, just make sure you have the savings to cover it. A lot of people think a higher deductible is their ticket to paying lower prices, without thinking about whether they can afford it or not.
#2) Look for student discounts
You might get savings if you are in college. However, many times companies will not offer this unless you press them. Therefore, once you have narrowed the best companies based on price, and then try to whittle the price down base on this.
You might also get discounts for getting higher grades, because good students are statistically less likely to file claims. You might be surprised how much these factors can save you on Irish car insurance.
#3) Take a defensive driving course
If you have a bad driving record, or are simply an inexperienced driver, you might consider investing in one of these courses. This can potentially save you up to $20 a month on your premium.
#4) Get a used car instead of new
The more expensive the car, the higher the price that the insurance company will have to pay for it in the event of a wreck. For this reason, getting a cheap car is how to get inexpensive car insurance.
Also, try to get a domestic car, because trying to get parts for imported cars can be much pricier. You guessed it: this will also save you money.
#5) Get 5-10 quotes
Shopping around is one of the easiest methods to save money. This would take a long time if you had to go to each individual company, fill out a form and get a quote.
For this reason, you should get quotes at third party sites.
This can really save you a load of time. You might want to consider going to several 3rd party sites, just to make sure you get as many quotes possible.
The bottom line is, your premium simply does not have to be as expensive as you think. When you take a few simple steps, you can potentially save yourself several hundred dollars a year on your premium.
The most important thing is that you are patient, get a number of quotes, and read the fine print. This is how to find the best car insurance quotes Ireland.