6 Tips to get Cheaper Car Insurance

Buying car insurance in Ireland can be expensive - and not all insurance plans offer the same services. By comparing quotes from multiple insurers you can find a provider which offers services suitable to your specific requirements at a price which suits you.

Why You Need to Compare Car Insurance Policies

1. It is a legal requirement in Ireland to have car insurance in order to drive on public roads. Driving without insurance can result in fines, penalty points, or even disqualification from driving.
2. Car insurance is usually considered to be a good investment. It provides financial protection in case of an accident or theft. Without insurance, you would be responsible for paying the costs of any damage or injuries that you cause.
3. Besides, knowing that you are covered in case of an accident or theft can provide peace of mind while driving.

By finding cost-effective insurance, you can ensure that you are meeting your legal obligations and keeping your peace of mind without breaking the bank.

You can also check out our guide to Comprehensive Car Insurance, Third Party Car Insurance and Third Party Fire and Theft Car Insurance to get the best coverage for your needs.

Top 6 Tips to get cheaper car insurance

1. Pay Annually: Many insurers offer a discount if you pay for your insurance annually instead of monthly.
   • This is because the insurers receive the full amount of the premium upfront which reduces administrative costs and the risk of missed payments.
   • You will also save on the processing fee which is usually charged for monthly payments.
2. Strengthen Security: Adding alarms or an immobilizer can reduce the chances of theft. You may also get a discount for having these, in some cases. Adding security features to your car can result in lower premiums.
3. Build-Up A Bonus: A no-claims bonus is a discount that you earn for each year you don't make a claim. The longer you go without making a claim, the higher your discount will be. Avoid claiming on small repairs and build up a no-claims bonus that you should protect as soon as possible.
4. Avoid Auto-Renewing: You should compare prices, get quotes online, and avoid auto-renewing. Don't settle for the first quote you receive. Compare several insurance providers to see which one offers the best prices before you settle on a payment plan.
5. Avoid Modifications: The cost of the insurance will depend on the vehicle make and engine size of your car, and it is best to avoid modifications. Sporty cars with large engines also tend to cost more to insure.
   • Instead, consider opting for a lower-risk car.
   • You can also purchase one that's in a lower insurance group which is typically cheaper to insure.
6. Add an expert to your policy: While it may be possible to find cheap car insurance in Ireland, it can be challenging, particularly for younger or inexperienced drivers. Some insurers offer a discount if you add an experienced driver to your policy.
   • For example, a younger or less experienced driver may choose to add a parent with a clean driving record as an additional driver.
   • This can help reduce the premium as the insurer may consider the more experienced driver as less of a risk.

The cost of car insurance can vary depending on a variety of factors such as age, driving experience, location, type of car, and previous driving record.

Here are some other factors to consider when buying Car Insurance.