If you’re looking for cheaper car insurance, here you’ll find plenty of tips and tricks to save money.
Shop Around
The first thing you should do when looking for car insurance is shop around.
It’s a given that the more quotes you get, the better your chances of finding a good deal. That’s why we recommend shopping around online at sites which aggregate quotes from multiple insurance companies so that you can compare prices in one place.
If you want to take things a step further, consider talking to an independent insurance broker in Ireland instead of just getting a quote from an insurance company itself. Brokers work with all kinds of companies and are able to find you deals on policies that might not be available directly through them (because they’re not big enough).
Get the Right Car
The first thing to do is to get a car that fits your needs. If you live in a bigger city in Ireland, having a big 4×4 SUV might be unnecessary and a smaller car would be better for practical reasons.
You also need to think about what type of car is best suited for your budget. While some people may want an expensive prestige model like a BMW or Mercedes Benz, others might be happy with something cheaper like an Opel Corsa or Toyota Corolla. It all comes down to personal preference but if costs are an issue then this should be one factor that goes into making this decision!
Think About Your Mileage
Among the many ways you can save money on your car insurance in Ireland, there’s one that’s simple, obvious, and often overlooked: drive less. If you don’t need to drive as much, then opt for other forms of transportation like public transport or cycling.
Try to Qualify for Discounts
The easiest way to get cheaper car insurance is by getting the best discounts. There are several types of insurance discounts available, including:
- Being a good driver. If you have a clean driving record, you may be eligible for premium reductions.
- Being an experienced driver. More experience on the road means that you’re less likely to be involved in an accident and more likely to respond appropriately if one does occur. This will show up in your driving record as well as your score on Ireland’s National Driver Test (NDT).
- Joining an approved driver training organisation (ADTO). ADTOs have programmes designed specifically to help young drivers improve their skills behind the wheel, reduce accidents and make them safer drivers overall—which means lower premiums!
Avoid Modifications
Avoid spoilers and alloy wheels. These are just some of the many modifications people make to their cars every day in an attempt to improve performance or appearance – but they don’t always do what they’re supposed to do and may increase the risk of accidents happening on our roads as a result!
Leave it stock – or at least stock-ish! Adding turbochargers is another common modification that comes with its own risks; plus there’s no guarantee it’ll give exactly what you want anyway!
Pay Bigger Deposit for Your Cover
You can save a lot of money on your car insurance by paying more upfront. The more you pay upfront, the less you pay for your cover. With that said, it’s important to note that the amount of savings will depend on a few factors:
- How much you pay upfront
- What type of policy you have (single- or multi-car)
- Whether or not you have a no claims bonus alreadyay even be able to find cheaper premiums than others (though this isn’t guaranteed).
Improve Your Credit Rating
If you have a poor credit rating, it’s likely that your car insurance company will charge you more for your policies. It’s important to understand how this affects the price of your policy:
If a person is struggling financially, they may be tempted by quick-money loans with high-interest rates and fees. These can end up costing them more than if they’d just paid off their debts in the first place.
People who regularly make late payments on their bills will see those late payments reflected in their credit history, which can affect the price of their car insurance policies as well as other products like loans or mortgages.
People who don’t pay back what they’ve borrowed (whether it’s through credit cards or loans) eventually find themselves with bad debt that stays on their credit report until they pay it off in full, even if they never borrow again afterwards!
Conclusion
So, what can you do to save money on car insurance? The best way is to shop around and compare quotes. If you are willing to change your car or take out a higher level of cover, then there are opportunities to save money.
