4. Shop around regularly
If you are a claims-free car owner, it’s worth your while to switch providers regularly. Compare quotes and the coverage offered from different insurers, and if you find this overwhelming, consider using an insurance broker. An experienced broker can compare multiple car insurance quotes to help you find the best deal available in the marketplace.
5. Consolidate your policies
Taking out multiple insurance policies (for example house and contents along with car coverage) with the same insurer can attract a discount.
6. Get the right level of coverage
In Ireland, you are only required to have Third Party Fire & Theft coverage, which protects other drivers in the event of you causing an accident. You are also protected if your car is stolen or catches fire. Comprehensive cover also includes the cost of accidental damage to your car. It’s usually more expensive but can save you money in the long run if your car is badly damaged in an accident. The right choice for you depends on a number of factors, not least the value of your car.
7. Park securely
Off-road parking is preferable to insurance companies, as it’s safer than parking on the street. If you can, park in the drive or a secure garage.
8. Reduce your usage
Of course, you have a car because you need it, but it pays to keep driving distances to a minimum if possible. The more you use your car, the greater your risk of having an accident. For this reason, if you use your car to get to work your premium will be higher, so consider walking or cycling if you can.
9. Increase your excess
If you need to make a claim, you will have to pay an amount before your car insurance kicks in. this amount can vary – the higher it is, the lower your annual premium. But remember – be sure you are able to pay the excess in the event of a claim.
10. Protect your no claims
The no-claims bonus is a discount that increases the more years that you don’t claim on your policy. It can amount to a sizable discount so it’s worth taking out no-claims protection when insuring so you don’t lose all of your discount if you need to make a claim.
Get your quote in a matter of minutes with Britton Insurance. We are Ireland’s leading car insurance brokers with a team of highly experienced insurance specialists. We compare up to 30 car insurance quotes to help find the best quote available to us on a given day and the best features to suit your individual needs.