Factors that could affect your insurance quote Northern Ireland


There are many factors that could affect your insurance quote Northern Ireland. There are also many things that you can do in order to keep your insurance quote down to the minimum.

One of the things that will affect your insurance quote Northern Ireland is your age. Younger drivers are always penalised by age and have to suffer paying out what is often very high cost for their car insurance. This is due to the fact that they have less experience and of course do not have no claims bonus. If you are a younger driver then you could take advanced driving lessons which could help to lower the cost. There are also specialist brokers that offer cheaper insurance specifically for the younger driver.

The size of the engine of your car will also reflect on the cost of your car insurance. If you buy a top of the range model with a large size engine then you would have to pay out more in insurance than if you wanted to insure a more sedate family model with a smaller engine.

The type of insurance that you choose would also factor in towards the cost of your car insurance. Fully comprehensive would provide you with the most cover but it is the dearest type of insurance to take out. However if you have a brand new car or a car over a certain amount then you would have no option but to take out fully comprehensive. If you have an older model or you are buying a second hand car then you could take out third party fire and theft cover. This would allow a third party to make a claim against you if you caused an accident, however it would provide you with little cover for your own vehicle.

If you offer to pay out more for the amount of excess that you would have to pay in the event of a claim then you could also keep down the cost of car insurance. Insurance providers always ask for a minimum amount of excess but if you want to pay more you can. However bear in mind that this would have to come out of your own pocket in a lump cash sum.

The safer your car is then it would be harder to steal. While the majority of newer models do come with security features that makes your car harder to steal, older models do not. However, if you have an older model or you are buying a second hand car then you can always pay out to have an immobile fitted on the car to be able to benefit from savings. Even installing a car alarm, or etching the windows can go towards you making savings on the cost of your insurance quote Northern Ireland. If you park your car in a garage which has a good strong lock on it you can make savings in comparison to parking your car on the side of the road. If it is on the road it could be vandalised or it could be a target for thieves.

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