Thursday 19 September 2019

Tips for obtaining cheap car insurance Northern Ireland

Residents of Northern Ireland used to struggle to find insurance companies who were willing to provide car insurance let alone cheap car insurance. This was many years ago when Northern Ireland suffered a great deal of unrest. Cars were often stolen to be set on fire and used as burning barricades and joy riding seemed to be very common. However times have changed for NI and now it is possible to obtain cheap car insurance Northern Ireland with specialist insurance websites specifically aimed at those living in NI.

There are also many things that you can do yourself before applying for car insurance to ensure that you get cheap car insurance Northern Ireland deals. The type of car that you drive for instance will have an effect on how much you pay for insurance. If you choose a top of the range car with a huge engine then it would cost more to insure it than if you had a smaller family model of car.

The safer your car is the cheaper you can get your insurance. You can do many things to ensure that your car is harder for thieves to target. For instances you can add an alarm system to the car, you can fit an immobiliser or a tracking device. Any of these could help you to cut down the cost of your insurance. Where you park your car overnight will also be taken into account. It would be more secure if you parked it under lock and key in a garage then if you left it by the side of the road. Even parking on a driveway or carport at the side of your home can help to keep down the cost of your insurance.

All insurance companies will ask for some excess on the policy. The excess is the amount that you would need to pay out of your own pocket if you had to make a claim on your insurance. While there is a limit to the minimum amount you need to pay should you have to make a claim on the policy, you can offer to pay more. However you would need to bear in mind that this money would need to come out of your own pocket in a lump sum should you claim and if you claimed more than once on the insurance in the same year you could lose any savings you had made on the premiums.

Your age will also be taken into account when looking for a cheap car insurance Northern Ireland deal. The younger driver will generally be penalised and have to pay out more for their insurance than someone with many years of driving experience behind them. While you cannot alter your age you can at least consider taking advanced driving lessons and this could help to show you have at least maturity on your side which could help to keep down the cost of your car insurance. A specialist broker could also help you to find the best deal for your age.

One Comment

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