Posted: February 28th, 2010 | Author: George | Filed under: Car Insurance in Northern Ireland | Tags: cheapest car insurance Northern Ireland
There are no guarantees that you’ll find the cheapest car insurance Northern Ireland has ever seen, but it’s probably true to say that it is certainly cheaper than it has been for quite some time. Having once deserted it in the face of the “troubles”, insurers are now flocking back to the Province and bringing with them the convenience of shopping online. Easy accessibility to an increasing number of providers is fuelling a competition resulting in the lower cost of car insurance.
Some things you can’t change …
Most motorists understand that car insurance is “weighted” according to a whole host of factors – some of which are beyond the individual’s control. Age and gender, for example, both have an effect on the level of premiums charged. So does where you live, however, and few people are likely to change their address simply in order to insure their car. Those with an address in Northern Ireland might no longer be denied the opportunity of applying for cover from the nation’s leading insurers.
… but some you can
It’s nevertheless entirely possible to exercise some control over the premiums you are likely to be charged and, if that is your goal, to strive towards obtaining the cheapest car insurance in Northern Ireland:
- you might consider reducing the level of cover simply to third party, fire and theft, for example, rather than fully comprehensive insurance (especially if yours is an older or less valuable machine);
- some comprehensive insurance policies come with all manner of optional bells and whistles – such as breakdown cover, roadside assistance, courtesy cars in the event of breakdown, cover for in-car entertainment, and so on. By declining such “extras”, it might be possible to reduce the cost of the overall premiums;
- most car insurance policies include a “compulsory” excess, which is the first part of any claim for which the policy holder needs to take responsibility. By opting to take an optional, additional “voluntary” excess, however, it is often possible to slightly reduce the cost of the premiums;
- assuming responsibility for the cost of your car insurance premiums is also about driving carefully and doing all that you can to avoid claiming on the insurance. a clean history helps to keep the premiums lower and, of course, helps to establish your maximum no claims discount.
The recent opening up of the insurance market in the Province, together with your own choices of cover and driving style might prove a boon for those searching for the cheapest car insurance Northern Ireland has to offer.
Posted: February 5th, 2009 | Author: admin | Filed under: Car Insurance in Northern Ireland | Tags: cheapest car insurance Northern Ireland
If you live in Northern Ireland you may have noticed that finding the cheapest car insurance Northern Ireland can at times seem almost impossible. However there are many ways that you can keep the insurance premiums down. Most of the ways to make savings are common sense and some require you to payout a little initially.
One of the many ways that you may be able to get the cheapest car insurance Northern Ireland is to look at the amount of excess that the insurance company charges. All insurance providers will add in some excess and this is the amount that you would have to payout if you were to have to make a claim on the policy, before the insurance company will step in and take over the rest of the claim. By offering to payout more in excess you can make some huge savings on your insurance premiums. However the downside to this is that you would have to payout the amount out of your own pocket and in a lump sum. If you should be unlucky enough to have to make more than one claim in any one year you could also lose out.
Another way of making sure you get the cheapest car insurance Northern Ireland premiums possible is to make sure that your car is as safe as possible. Where you choose to park it will be taken into account, if you park in a garage that has good quality locks then it will be seen to be safer than if you park it on the side of the road. Installing security devices can also be a good way to cut down on the cost of car insurance premiums. If you payout and install a good quality steering wheel lock, an immobiliser or a tracking device any of these can cut down how much you pay. The money you pay out initially could be recouped by the savings you make on the insurance premiums year after year.
How much you pay for car insurance will of course depend on the type of insurance you choose to take. You have three options, third party only, third party fire and theft and fully comprehensive. Third party as the name suggests only provides cover for the third party and is the cheapest form of car insurance. Third party fire and theft provides cover as the name suggests which of course protects your car against fire and theft and provides protection for the third party. Fully comprehensive is the dearest form of protection but it is also the most comprehensive for you. You would have all the cover of third party fire and theft and so much more.
When looking for the cheapest car insurance Northern Ireland possible even the type of car you buy will go towards determining how much you pay for the insurance. If you choose to buy a car that is top of the range with a large engine then it will cost more to insure it than a family orientated car with a smaller sized engine. Your age and sex will also be taken into account; the younger you are the more it will cost to insure your car. Individuals who fall into certain categories such as women drivers and drivers over 50 can usually get cheaper car insurance as these individuals are seen to be some of the safest drivers around.
