With so many car insurance companies out there, it’s very hard to know if you’re really getting a good deal. You want to get cover for cheap, but at the same time, you don’t want to have cheap cover. To help you out, we have compiled a collection of handy cost-cutting tips that will reduce those premiums


1. Ask for a discount

Car Insurance
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I know – it sounds so simple to just ask if you can get any discounts, but you’d be pleasantly surprised what you can get simply by asking. There are a nice few discounts available for different types of drivers. For example, many insurers offer discounts for those who successfully become members of the Institute of Advanced Motorists of Ireland (IAMI) by passing their road safety tests.


But the potential discounts don’t stop there. If you drive under 5,000 kilometres per year, declare this to your broker or insurance company before you renew or take out a new policy. Some insurers offer a discount to those who keep their mileage to a minimum as they are less likely to be involved in a car accident.


2. Take out multiple insurance policies with the same company

An easy way to get a generous discount is by getting more than one insurance policy with the same company. As a broker, we offer customers discounts of up to 20% off their premiums when they have multiple insurance policies (i.e. a family with Car, House, Life and Health Insurance policy with the same company) insured at the same time with us.


3. Add a Named Driver onto your policy

Adding a more experienced driver often results in cheaper premiums on your car policy. Putting your spouse as a additional driver before your renew your car insurance can reduce the price – and that’s without removing any benefits you’d expect to have. For young drivers, adding a parent onto the car insurance policy can have a similar effect on premiums.


4. Pay your premium up front – if possible

If you are able to pay for cover straight up without arranging a Direct Debit payment scheme – do so. By paying 100% of the premium in one go, you will avoid service charges which can add 6 to 8% percent to the premium, keeping more money in your pocket over the year of cover.


5. Get the right car for insurance

The car you buy has an impact on what you’ll pay for cover. You will always pay higher rates to drive a car with a bigger engine – no matter how much no claims bonus you work up. If you are out to minimise the cost of insurance, go for the car that has a low engine size, preferably a vehicle with a 1L capacity. However, if you want something sporty or stylish, you will have to factor in the extra cost to insure it.


6. Get an online quote from us or give us a ring!

If you have a renewal with another company or looking to get cover for the first time, why not just call us and we’ll do all the hard work to get you the best cover at the lowest premiums. We rigorously compare over 14 car insurance companies to get the best deal – no matter what your circumstances are! What are you waiting for? The best deal is only a click away – either get a quick quote online or talk to a member of our insurance team today on 1890 746 759.