Tips For Getting Cheaper Car Insurance

cheaper car insurance
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1. Use an Insurance Broker

An insurance broker can save you time, money and worry.

Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need so that you are properly protected.

Using a broker doesn’t necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.

If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. Brokers are the best, most trusted source of advice available to make sure you are properly protected.

2. Think twice about paying in instalments

Caution should be taken before taking the option to pay your insurance in instalments. Not only do some insurance companies charge a service charge for this some apply a higher premium for the use of this facility. If you are able to pay in one go do as this is cheaper and will give you more options as some insurers don’t have a direct debt facility.

3. Add your Partner/Spouse

If your partner/spouse isn’t already on your policy, ask if it would reduce your premium to get him/her added to your policy. This could result in money back from your insurance company due to discounts given for insured and spouse rates and potentially save you money going forward.

4. Consider the vehicle you are insuring

Sports cars, modified cars or imported cars can all have a negative effect on your insurance premium as insurers charge higher rates as they see them as an increased risk. This isn’t a one off charge . You’ll end up paying more each year for as long as you own the car and might have difficulty insuring it on a yearly basis.

5. Penalty Points

If you have gotten penalty points and think the 3 year period could be up, call 0761087880 or e mail info@ndls.ie and quote your licence number to check. If they have been removed notify your broker or insurer and disclose this to them as it could result in a better rate as some insurers do give discount for penalty point free drivers.