How do you find the best cheap car insurance Ireland? It is actually not as difficult as a lot think. In truth, when you just take time to find out what factors play into the price and how you can adjust them to your advantage, you will save a lot of money.
How do you save money? Here are eight tips that work:
#1) Look for companies that offer discounts
Some will give you savings if you are in college, get good grades, have an impeccable road record, or do not drive much. Some companies put more weight on these factors than others, so try and find firms that will reward you for as many as apply to your situation.
#2) Take a defensive driving course
In addition, this might save you a lot of money if you have a poor driving record. Everyone knows about this but few people take advantage of it.
#3) Raise your credit score
Most people do not realize that their credit score affects their premium, but it will to some extent. This is because people with poor credit scores are statistically more likely to file claims than those with a good score.
#4) Use third party sites
These are probably the best way to find inexpensive car insurance. Most people do no more than get three quotes prior to getting insurance, mostly out of laziness.
After all, it takes a lot of time to fill out those annoying online forms. However, third party sites will give you many quotes instantly, and you only have to fill out one form to do so.
This will give you a much broader view of what you can expect to pay. In other words, do not just go to a few big companies’ sites, because you might miss out on a great price offered by a smaller, lesser known firm. If you really shop around you can expect to save around ten percent or more.
#5) Get a cheaper car
The reason for this is simple: if you crash and total the vehicle, the company is on the hook for whatever the car is worth.
Therefore, if the car is currently selling for one hundred thousand, the company will have to pay for that. This puts them at a much higher risk, which means you in turn will pay a much higher premium.
Therefore, consider getting a cheaper car. Used vehicles are ideal because they are often still in very good condition, but are much less expensive and therefore will save you a lot on the insurance. This is especially true for multi car insurance.
#6) Do not get an imported vehicle
This is because the cost of repairing them is more, because the parts are not readily available. This in turn means the Irish car insurance company will have to pay more money.
#7) Get an alarm system
Many firms will knock the price down if you do this, because the vehicle is less likely to be stolen.
#8) Move to an area with less crime
This is admittedly a drastic measure. However, you will pay more money for comprehensive coverage if you live somewhere with a high risk of theft.
Obviously, you do not have to implement all these tips for finding the top coverage. However, even doing one or two of them will make a big difference.
The main thing is to be patient and take your time. This is how to find cheap car insurance Ireland. Many people wait until they are in the process of buying a new car to get coverage, and therefore just get the first quote they get. When you plan ahead and leave yourself time, you will find the best coverage for you.