Reducing car insurance quotes for Northern Ireland
Posted: May 15th, 2010 | Author: George | Filed under: Car Insurance in Northern Ireland | Tags: car insurance quotes for Northern IrelandWhen you first start researching car insurance quotes for Northern Ireland, it can be disheartening to think that you have to pay that much. But there are ways of influencing prices that insurers quote you (to a certain extent of course!).
Security
If you have any special security features installed on your car (like extra locks or alarms), be sure to tell the providers, as they may offer a discount. Likewise, if the vehicle is kept overnight in your garage rather than on the road, insurers may sometimes offer a discounted price.
If you have moved house, your new postcode could have an effect on your insurance premium. For instance, if your new area has less of a history of crime and car thefts, your premium may go down a tad.
Mileage
Do you only use the car for the school run or getting to and from work? Is the vehicle the family’s second car that spends most of its time on the driveway? If so, make sure that you have not given too high a mileage figure on the online form. Generally speaking, the more mileage you cover the more expensive the premium, though this can vary among the NI car insurance companies.
No claims bonus
Now is not the time to be modest about your careful driving. When you are comparing car insurance quotes for Northern Ireland, a significant no claims bonus could make all the difference in making your premium affordable. Once you have taken out the new policy don’t forget to send your proof of no claims bonus to your new provider. They need to see it for their records.
Who is a named driver?
Whilst your teenage son might be desperate to be included as a named driver on your policy, this may have an effect on the cost. Younger, less experienced drivers are typically viewed as more risky to insure that older drivers.
What is included?
Comparing car insurance quotes for Northern Ireland is only worthwhile if you are looking at them on a like for like basis.
Is the valuation correct?
If your car has lost value in the past year, be sure to update the insurer’s notion of what the vehicle is worth (though some may set ceiling limits anyway, but it is worth checking). This is because the insurer bases their prices on how much it would cost to replace if the car was written off or destroyed.
What about the excess?
Make sure that you find out what the excess is when you compare car insurance quotes for Northern Ireland. If an insurer offer a high excess, the price of the premium may be attractive but think carefully about whether you would be able to pay repair bills under that amount out of your own pocket. On the other hand, if this is not really a problem for you may wish to consider asking the insurer to raise the excess and potentially lower the premium a bit. Again though, this may vary among providers and offering to pay a lower excess may only shave a few pounds off the cost of your Northern Ireland car insurance cover.
