Posted on July 15, 2020 at 7:24 pm

Featured Lifestyle Tech

Top 17 Tips To Get A Cheap Car Insurance

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There have been many discussions lately as to what impacts the affordability of car insurance and how to get a cheap motor insurance quote from the insurance company in Ireland. 

In the course of this blog, we’ll be doing justice to that.

Nobody wants to spend more that is needed for car insurance, but it isn’t always obvious how to get lower rates.

A lot of insurance companies, no matter the size, are vying for your business. A lot of them have an eye-glazing assortment of policy options, making it hard to compare their policies and figure out who offers lower car insurance rates.

<span>Photo by <a href="https://unsplash.com/@sweetpagesco?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Sarah Brown</a> on <a href="https://unsplash.com/s/photos/car-insurance?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText">Unsplash</a></span>
Photo by Sarah Brown on Unsplash

With the rise in the cost of car insurance, it’s a good idea to check car insurance comparison websites such as https://theaa.ie to check comprehensive cover, and keep your price down.

Actually, your car insurance premium (the price you pay for the policy) depends on lots of factors. And different insurers work things out in their own way.

So it can be confusing to know what you can do to keep your costs down or to get a cheap car insurance quote from the insurance company. Let us share our secrets with you.

Tips To Get Cheap Car Insurance quote

Not all the factors that impact your car insurance premium will be within your control; however, some are:

  • Check your car’s insurance group before you buy

Most car insurers place their cars in one of 50 insurance groups, which has an influence on their premium for each car. If you have your eye on a model or make of car but also want to get a cheap insurance quote, you should check which insurance group you belong to 

Tip: the smaller the engine, the less expensive your premium is going to be.

  •  Add another more experienced driver to the policy.

Saying a person who is not the main driver to a car is, is a crime. However, adding a secondary driver is completely legal – and more than that, this gives you’re a chance to get a cheaper car insurance quote.

Get permission from the person first, then ass an experienced driver with a clean driving license and decent no-claims history to your insurance.

  • Value your car accurately

When filling out your car insurance renewal form, you should value your car accurately. Remember, the question on the form Asks for the value of your car today, not the value of the car when you bought it. Make use of a description calculator to estimate the current value of your car. This can help you get a cheaper quote for your car insurance. 

  • Get as much experience as possible.

One of the major factors determining a great driver is getting as much experience as you can behind the wheel. Although every learner driver takes at least 12 lessons, you can take more f you can afford it – do it with a fully licensed driver. Some insurance companies will count time spent as a named driver when calculating your no claims bonus. This impacts your car insurance quote.

  • Protect your no claims discount

This is a discount you get from a car insurance company for not claiming on your policy the past year. When taking car insurance, to get a cheaper quote from an insurance company, you should consider step-back-no-claim protection. This way, you won’t lose all of your discounts if you need to make a claim. 

  • Move to a Lower-Crime Area

 The insurance company also consider your daily commute to the workplace when determining your car insurance premium. This is so because: Individuals who live and park their cars in wealthy neighborhoods are statistically less likely to have their car stolen, broken into, or damaged while parked overnight. And vice versa.

  • Consider Getting a Different Vehicle if Savings Warrant it

The make and model of your vehicle plays a role in determining the quote you get for your car insurance from a car insurance company. Insurance companies know that: the newer the car, the higher the repair or replacement cost. Buying an old car may be more affordable; however, with a used car, you may wind up paying higher insurance rates.

  • Clean Your Driving Record

 Maintaining a clean record is an ideal way to get a cheap car insurance quote from your agent. Just an accident might increase your premium by 40%. So driving carefully while on the roadways really can help keep your auto insurance as affordable as possible.

  • Improve and Fix your Credit Score

 Just like credit score affects other parts of your finances, it also affects your auto insurance rate if you’re looking for cheap car insurance, then your clean up your credit score.

  • Be accurate with your mileage

The trick about getting a cheap quote is not dependent on under- or over-estimating your mileage. It is dependent on the clock. Check it and get the real figure to help lower your insurance quote.

  • Enhance your security

The harder it Is for your car to get stolen, the less risky it is. This means a lower car insurance quote. Most cars have an engine immobilizer and alarm fitted. Adding a tracker adds another level of security.

  • Consider black box tech.

A telematics (black box) policy will go a long way in tailoring your insurance costs based on how, when, and how much you drive it.

  • Switch your insurer and get a better deal

Don’t harm yourself because of loyalty. It is usually the fast track to paying more than you’re supposed to. Even if your current car insurance renews is not much of a difference from last year, you should still look elsewhere.

  • Watch out for extras you don’t need

Do you need add-ons like legal expenses cover or a courtesy car? Remember to shop around for these too. It helps you get a cheap car insurance quote from your insurance company.

  • Tweak your voluntary excess

A higher voluntary excess tends to mean a lower policy cost. Always remember that your excess is what you’d have to pay out if you made a claim. Make sure you set your voluntary excess to what you’re comfortable with. 

  • Change who drives your car

Having a lot of drivers on your policy means higher insurance cast. This is true with younger drivers, as they are of higher risk.

  • Obey the law

Having points on your license makes the insurance company see you as a bigger risk. Keep your license clean, and your car insurance cost will be low. Insurance companies keep these points on their records for five.

Finding cheap car insurance isn’t always possible, but you can do things to help cut your costs. We’ve put together some top tips that could help you save money on your premium and get a cheap car insurance quote from your insurance company. 

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