Cheap Car Insurance Ireland Compare – Getting cheap car insurance for first time drivers over 30 in Ireland is easier than you think. We’ve compiled a list of 8 tips to help you save money.
If you are over 30 and a first time driver in Ireland, you should know that you are not alone. Many Irish motorists start driving in their 30s and struggle to get a fair price for cheap car insurance.
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It’s always a good idea to compare different quotes or start your search with this. First, check the price differences between comprehensive and third-party fire and theft car insurance. If the value of the vehicle is not high, it may not make financial sense to pay the difference and you can save on your policy. That is, you only pay for the coverage you need. And if your car is old or in relatively poor condition, there is little reason to buy comprehensive cover.
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Not all car insurance companies have special offers for this category of drivers. If you find yourself in this situation, it’s a good idea to start by searching online for cheap car insurance for first time drivers over 30 in Ireland. You should be able to choose the best, if not all, that will suit your needs.
Once you’ve narrowed down the car insurance companies that have quotes for your specific situation, you can ask them for quotes. Make sure you mention the extra safety features when filling out the required information on each car insurance quote. This will reduce the cost of the policy and help you save money. So don’t forget to check if you have an alarm, an immobilizer, or your car is garaged, because it all adds up at the end of the day.
Why not ask your insurance broker if you qualify for a discount if you have multiple policies with their company? For example, companies such as Insure My Cars specialize in such discounts. By combining all their car insurance policies, they can get the best car insurance rates and discounts. Their multi-car insurance discount is designed specifically for families, couples with two cars, and car enthusiasts. This is another good way to save money.
After that, adding a driver to your policy is always a good way to lower the overall cost of your car insurance. For example, in many cases the rate for co-insured and spouse/partner is lower than for only insured.
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Also, if the family has two or more cars, try to insure both with the same company. However, companies offer significant discounts for second cars.
The amount of money you have to pay for a claim is called the car insurance excess in Ireland. The excess can be increased to lower the monthly cost of your insurance. However, this increases the risk of paying more if you make a claim. You only need to consider a higher surplus if the savings are going to be significant in the long run. The excess amount is usually determined by the insurer and may vary from company to company. Some insurers in Ireland offer discounts for choosing higher amounts, while others offer discounts for choosing lower ones. It’s important to remember that if you choose to overpay and an accident occurs, you must have the financial standing to cover the costs. Think about your financial situation and consult with your broker before upgrading your car insurance.
Prepaying your car insurance is a great way to save money. That’s because you pay a one-time fee for the entire year and don’t have to worry about monthly payments. You can pay up to 30% more if you choose to pay your premium in monthly installments instead of up front. If you pay the premium in installments instead of upfront, your bill could go up by €150 this year. Some insurers charge 8pc lighter for those who pay in installments, but you can still save money if you pay in advance.
In conclusion, we know that looking for cheap car insurance for drivers over 30 in Ireland for the first time can seem like a daunting experience, but it doesn’t have to be. Even if you got your driving license from NDLS today. Follow our tips and you can get yours without too much trouble. Or you can just ask Insure My Cars to give you a car insurance quote now.
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With nearly 50% of the Irish population owning a car, many people wonder how to keep their insurance costs low.
To give drivers the best chance of saving a few euros, the experts at Chill Insurance have given us four tips to save you money.
There are many ways to lower your insurance costs, from looking at policy add-ons to adjusting your payment method.
A spokesperson for Chill Insurance explains: “Before insurance companies offer deals, they calculate how likely you are to make a claim. With this in mind, one way to lower your insurance premiums is to make your car safer.”
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Passive signals: most common in cars. It activates automatically after the keys are removed from the ignition and the doors are locked.
Immobilizer Alarms: If the steering wheel senses anything other than turning on the car key, it can lock it in place.
Tracker Alerts: Help authorities track your vehicle if it’s stolen by sending a text message to the owner’s registered device.
Silent Alarms: Once activated, it sends an alert to the vehicle owner, allowing them to alert security guards.
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Audible alarm: the most visual of any alarm system. The car’s lights start flashing and the car’s horn also beeps continuously until the owner turns it off.
The value, model and size of your car will affect the cost of car insurance. Cheaper and less powerful cars lower premiums, while older cars tend to be larger and can increase the price due to the possibility of breakdowns.
For example, if your car has a 1.1 liter engine, it will be much cheaper to insure than a faster model with a V6 or V8 engine.
The more popular a car brand you choose, the more extensive the range of spare parts will be, which in turn will lower the cost of insuring your car.
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If you want to keep your insurance costs as low as possible, one thing you should definitely not do is modify your car. While these upgrades may be attractive to your vehicle, they will also skyrocket your premium.
Modified cars are usually more expensive to repair due to the custom nature of the vehicle.
There are so many policy options out there that it can be overwhelming for many people. Chill Insurance advises you to review what policy ads you need.
Some people have breakdown cover through their bank, so there’s no need to pay extra for this extra through your car insurance.
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Paying month-to-month may be easier on the wallet in the short term, but it could cost you more in the long run.
If you choose to pay an optional excess in the event of a claim, this often lowers the cost of the policy premium.
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