Cheap Car Insurance | Compare Insurance Quotes

We have drawn up a list of cheap car insurance tips below for you to review. We hope these suggestions will help you find the most competitive car insurance quote- compare insurance quotes. It is essential to know what to look for when buying car insurance. This guide should give you a better understanding on ways that you can reduce your premium.

Policy downgrade

If your car is over 10 years old with a very low resale value you could look at downgrading your car insurance policy from comprehensive to a third party fire & theft policy. The amount you save may not be significant however it may be worth looking at.

Bus, luas or train: Cheap Car Insurance: 

You may be eligible to avail of a discount if you take alternative transport to and from work rather than using your car. In some circumstances the insurance provider may request evidence of a travel pass or tax saver commuter ticket.

Motor insurance excess limit: 

If you increase the excess limit on your car insurance policy this may help to reduce your premium. The excess limit is the amount you must pay towards the costs of the claim, this criteria may vary from insurer to insurer.

Multi cover discounts

You may get a discount of up to 10% if you purchase your car and home insurance through the same insurance company. Always read the terms and conditions carefully.

Add your spouse: Cheap Car Insurance: 

You may wish to consider adding your partner, wife or husband to your motor policy as this may reduce the price of your premium.

Spouse’s vehicle

You may qualify for a discounted premium if your husband, wife or partner uses a company car full time or has a vehicle insured in his or her own name.

Your occupation

If you have recently changed your job or career to a role that involves less driving this may help reduce your insurance premium. Certain occupations are categorized as high risk, mainly those that involve a lot of annual mileage compared to a job working in an office.

Value of your vehicle

Ensure you cover your car for the correct value, as this will affect the cost of your annual premium. If you have over valued your car you may be paying too much alternatively if you have undervalued your car this may give rise to issues in the event you need to make a claim. As little as a €1,000 difference in the value of your motor may put you into a higher threshold category, if you are in doubt please give us a call and we will be delighted to help with your query.

Step back bonus

What is a step back bonus? A “step back bonus” is a benefit that you can add to your motor insurance policy that may protect your “no claims bonus” in the event you need to make a claim. In the event you make a claim, rather than losing all your “no claims bonus” you may only lose 1 or 2 years. Criteria may vary depending on the insurance companies terms and conditions. If you decide against this additional benefit it may reduce your car insurance premium. Although we would suggest you add the “step back bonus” to your policy as it may save you money on your premium should you need to make a claim in the future.

No claims discount

The higher the number of years your motor policy remains claims free the better chance you have of availing of a cheaper premium compared with someone that has made a number of claims over the past few years. If you are considering switching you insurance, ensure the new provider will accept your full no claim discount.

Car alarm

Vehicles with immobilizers and alarms may get a discount compared with those without. If your car does not have an alarm we would recommend getting one fitted by an approved garage.

Garage, driveway or public street

Some insurance providers may offer a discount on your premium if you park your vehicle in a secured garage rather than on a public street. Review the options to see how much you can save.

Type and model of car

If you are in the market for a new or used car we would suggest shopping around before purchasing as your insurance premium will be based on the size of the engine and price of the car.

Buy online

Consider buying online as some insurance providers may offer discounts for web based sales. Always read the terms and conditions carefully.

Shopping around

The best way to reduce your motor insurance premium is to shop around. Ensure you are comparing like with like and always read the terms and conditions carefully. We hope you found our car insurance tips useful and informative.