16.11.2016 Car Insurance
Running a car is not cheap! Once you buy the car you have to worry about tax, insurance, fuel and servicing, particularly the hidden issues that tend to pop up at the worst possible times.
All are costs to think about. We know the price of car insurance has been increasing recently so we have created an infographic to help you get cheaper car insurance.
If you already own a car, there are things you can do to reduce your insurance premium but if you’re buying, its better value if you think of insurance through the entire car buying process:
Think Engine Size: If you are buying a car, consider a smaller engine size. One of the considerations for car insurance in Ireland is engine size. A smaller engine size will reduce your insurance premium, encourage you to drive slower and smaller cars are cheaper to buy and run.
If you are thinking about buying a brand new car, here are our tips for driving it off the forecourt.
Become an XLNTdriver: Download and use our XLNTdriver app, it tracks your driving and provides you with discounts and special offers once your score is 71 or above. Reach this target by avoiding:
X Harsh braking
X Using the phone
X Driving long distances without breaks
Avoid Penalty Points: points on your licence could add euros to your premium, so stay on the right side of the law. If you commit a serious traffic offence, you may find it difficult to find cover at all. It's really important to know the rules of the road and obey them.
Price your Car Accurately: Insurers divide cars into groups according to various factors including the likely cost of repairs. The higher the insurance group, the higher the premium. So if you are buying a new car, it pays to check its rating.
Drive Less: If you don’t drive your car every day, you are less likely to be involved in an accident than someone who commutes on busy roads every day. So why not take public transport to work if you can. Car insurance quotes are usually less for low mileage and you are doing your bit to help the environment.
Experience Counts: We know there isn’t much you can do about this if you are a young driver, besides follow the suggestions below and wait it out. But statistics do show that driving experience counts. Studies have found that older drivers have:
✓ Better attitudes to safety
✓ Deal with hazards better
✓ Increase their safety margins on the road
✓ Drive at slower speeds all the time
If you are a younger driver, start practicing all of the above now and save on your car insurance quotes as the years go on.
We hope you have found our tips helpful, please feel free to contact us with any questions you might have around car insurance. If you are looking for a car insurance quote now we would be happy to help. Why not get in touch?