Irish drivers are all too familiar with the cost of car insurance. In fact, the average annual premium is currently €1,500 – a figure that has risen by almost 40% in just five years. That’s why it’s important to be sure that you’re getting the best deal possible on your car insurance policy. The good news is that there are a number of ways you can get more value from your insurance provider. By comparing quotes from different providers online and asking about discounts available to you, for example, it’s possible to save hundreds or even thousands of euro each year without having to switch companies at all!
Try an online comparison site to get the best value for your insurance
If you’re looking for the best value for your insurance, it’s a good idea to try an online Compare insurance site. These websites allow users to compare multiple insurance quotes at once and save time and money by finding them all in one place.
You should also be aware that there are different types of car insurance available in Ireland. Some providers offer only third party cover, while others may offer full or comprehensive cover as well – meaning they’ll pay out if an accident was caused by another driver who was uninsured or had insufficient insurance cover themselves (third party).
Know how much you can save by comparing quotes from different companies
The best way to save money on car insurance is by comparing quotes from different companies. It’s important to know how much you can save by comparing quotes, and it’s also important that you get the best value for your insurance.
To compare insurance quotes, start by understanding how much each type of cover will cost you. For example:
- Comprehensive cover insures against theft or damage caused by an accident but not by fire, flood or animal attack (known as third party). This includes medical expenses if someone is hurt in an accident involving your vehicle – including passengers who aren’t covered under third party liability policies such as taxi drivers’ public liability insurance policy). If a thief steals your car then breaks into it before driving off with it (or even just drives away without permission), this would be covered under comprehensive too because there was no physical damage done to the vehicle itself – just financially damaging actions taken against its owner which resulted in loss of use/utility and/or diminution value (diminution occurs when something becomes less valuable due to wear & tear over time).
- Third Party Fire & Theft covers any damage caused by fire or theft up until €1 million per claim limit per year plus legal expenses up until €20K per claim limit per year (with no excesses). If another driver hits you while driving uninsured then their own insurer must pay out compensation under these terms; however if they’ve already bought their own policy covering them up until €1 million then yours won’t kick in unless theirs doesn’t apply first due specifically being excluded due invalidity reasons related solely towards injury claims arising out accidents involving uninsured drivers causing bodily harm injuries sustained during collisions occurring after midnight between 1 November 2017 onwards only.”
Consider what kind of car you drive, where you live and how often you drive
The type of car you drive is an important factor in determining how much insurance will cost. The more expensive the car, the more you’ll pay for insurance.
The location where you live can also affect your premiums: some areas are more prone to accidents than others. For example, if you live in Dublin city centre (which has around 10 million people living within 20km) then it’s likely that there will be a higher number of accidents than if you lived in rural Ireland where there may be only one or two cars per 100 people! If this sounds like something that could apply to yourself and/or your family then again this could influence how much money goes out every month on car insurance premiums each year – so keep an eye out!
Ask about discounts offered by certain providers
While you’re comparing quotes, it’s worth asking about any discounts your provider might offer. Some providers offer discounts for paying your bill on time, having a good driving record or being an existing customer. It’s also worth asking if they have any special offers available to students – many insurers offer special student car insurance deals to help give young drivers better rates.
If you’ve never shopped around before or if it has been a while since your last quote comparison then now could be an ideal time to do so!
Make sure your policy covers the right things
When you’re shopping for car insurance quotes, it’s important to make sure your policy covers all the right things. Here are some things to consider:
- Check that your policy covers all drivers on your car. If one of them has an accident or gets a traffic fine, it’s likely that the cost will be shared among everyone who drives the vehicle (and therefore paid by their insurance). So if there are people who don’t drive much but still need coverage under this plan, they may end up paying more than they should.
- Make sure you have enough liability coverage in case someone else is injured or dies as a result of an accident caused by one of your vehicles’ drivers–or even if they damage someone else’s property such as another person’s car or house! This type of protection protects against lawsuits brought against those involved in accidents caused by uninsured drivers; however it doesn’t cover medical bills incurred from injuries sustained during those accidents unless these bills were incurred due directly related injury itself (like broken bones). For example: say Jane was hit while riding her bike by Joe who wasn’t wearing his helmet while riding skateboard down hill road at high speed – Jane broke left arm bone which required surgery costing $20K USD before insurance company paid out any money…
Always compare quotes before choosing a car insurance provider.
When you’re shopping for car insurance, it’s important to compare quotes from different providers. You should never just go with the first company you come across or the cheapest quote–you should always compare multiple quotes before choosing a provider.
It’s also not enough to choose the cheapest quote; there are many factors that affect the price of insurance, such as your age and driving record (and even where you live). If two companies offer similar prices but one has much higher customer satisfaction ratings than another, then it makes sense to go with that company instead of saving yourself pennies on an inferior service.
Conclusion
In the end, it’s always a good idea to compare car insurance quotes before buying a policy. You could save yourself hundreds of euro every year by doing this simple comparison, so why not take advantage of it? The more companies you look at and compare prices with, the more likely it is that one will offer an affordable quote that suits your needs perfectly well too.
