Car insurance in Northern Ireland was in the past very hard to find. Individuals were limited to the providers on the high street who could charge virtually what they wanted for insurance as there was very little competition. This has now changed thankfully with specialist websites offering information that allows you to shop around online and get your insurance this way to make huge savings.
Of course when you look for car insurance in Northern Ireland online you do not only get competitive quotes but also get access to information that can help you to save even more on the cost of the premiums. To help you get started on the many ways that you can save on the cost of the premiums here are just a few ideas to take into consideration when looking for your insurance.
The first consideration you should take into account is even before you buy your car. It is all well and good picturing yourself driving around in one of the top of the range convertibles but if you check out the cost of the insurance, you could find it well out of your reach. Therefore take into consideration this fact before you go taking out a large bank loan to buy a car you will struggle to be able to insure. More sedate family cars are not only cheaper to insure but also to run and can be a lot more practical all-round.
Another way you can shave money off the amount you pay for your car insurance is to offer to payout a higher excess for the insurance. All insurance providers, even those offering car insurance in Northern Ireland, state a minimum amount you have to payout before they take over with the rest of the claim. By offering to pay a higher amount the premiums will come down but you do need to remember that you would have to find this amount out of your own pocket as a lump sum if you do have to make a claim.
If you payout and install security measures on the car then you can save on the insurance as the safer the car is the cheaper the premiums are. A car alarm at least can cut down the cost of the insurance, other devices you could consider include an immobiliser, tracking device and steering wheel lock. The money you save from the insurance premiums each year will allow you to recoup what you have paid out.
Check out car insurance in Northern Ireland on the web and you can compare the cost of insurance with some of the leading car insurance providers and get the best policy for needs. Of course you would have to decide first of all what type of insurance would be the most suitable. Third party fire and theft is one of the cheapest types, however it would provide little protection for your vehicle. Fully comprehensive is the dearest but it does provide the most protection for your vehicle along with the third party. If buying a new car off the forecourt then fully comprehensive would be a wise choice. If buying a second hand car third party fire and theft could adequate.