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.
