Do you know there are ways you can reduce your car insurance quote price? We have put together for you all our best tips to reduce the cost of your car insurance.
Use a Broker
Using a broker not only saves you time, it could also save you money. First Ireland is one of the largest Irish owned brokers in Ireland and we will search prices from 17 insurers on your behalf. We are also on hand to offer advice in order to get you the cover you need at our cheapest price.
Choosing the right car
Choosing the right car has a big impact on your insurance price. Opt for a car with a smaller engine size as opposed to a more powerful car which will cost more to insure. Whether your car is an import or the age of your car can also affect your premium. Some insurers decline to quote imported cars or quote for cars that are over 10 years old. Always check the cost of insurance before you sign on the dotted line or call First Ireland for an immediate quote.
Believe it or not, including a mature named driver could save you money. Whilst adding a spouse/co-habiting partner or a parent gives you peace of mind that someone else is covered to drive your car, it could also reduce the cost of your premium.
Second Car Discount
If your spouse or co-habiting partner has full time use of their own private car, then you could qualify for a second car policy/discount, depending on your insurance details. Also, if you’re a young driver living with a parent who has their own car, then this may also qualify you for a discount so be sure to advise this at the time of your quote.
First Ireland is one of the largest Irish owned brokers in Ireland and we will search prices from 17 insurers on your behalf. We are also on hand to offer advice in order to get you the cover you need at our cheapest price.
An excess is the amount you pay in the event of a claim and is typically around €250 – €500. Some insurers give a discount for accepting a higher excess. This effectively means you are absorbing some of the risk yourself but only in the event that there is a claim to your policy.
Two Policies with the Same Insurer
Some insurers may give a discount on your motor insurance if you have home insurance with them and vice versa, so it is wise to mention this at quote stage.
What you do for a living is taken into account when calculating a premium. Each insurer appoints a premium rating to each style of occupation so whilst there are no specific discounts, it is important to be as specific as possible to ensure the correct rating is applied for you.
Parking your car in your garage or driveway could reduce your premium as opposed to parking at the side of the road where your car is more exposed to theft or damage.
Call us on 01 8820818 or get a Car Insurance quote.