It can be a tricky process when deliberating over which car insurance provider to go with but as long as you keep certain factors in mind you will be able to make a decision.
All drivers have to be insured and no matter how hard you try you will always come across adverts and suchlike claiming to offer the best deal for you. With so many companies to choose from it is not always easy weighing up all the pros and cons in order to come to the right decision, but there are tips to remember which will help.
Third-party
The aim of choosing the right insurance is to come up with a deal that offers you the sufficient protection but at the lowest possible price. If you have a car of relatively low value then insurance that covers third-party, fire and theft can be the best option. This type of insurance is essentially a more comprehensive version of third-party only which only protects you against damage you may cause to other people and their property, rather than yourself. If your car is a more expensive one then fully comprehensive cover may well prove to be a better option.
Existing policies
You can also choose to be added to the insurance policy of a separate driver if you drive their car from time to time. However, if you are thinking about putting your policy in the name of one of your parents and having yourself as the named driver then you should certainly avoid this if you are the main driver in truth as it is against the law to do so. If you add named drivers to your own policy however, especially those who have more driving experience than yourself, this can be an effective method of bringing the cost of your premiums down.
Excess
The excess for your car insurance refers to the sum you are obliged to pay if you are at fault for something that requires you to make a claim. A way in which you can save money on your insurance premiums in some situations is to increase the amount of your excess. This is of course a risk though and you have to seriously consider whether or not you can afford to pay hundreds of pounds if an accident does occur.
Safety
It is possible for you to bring the price of your premiums down further if you have a condition included that stipulates you cannot drive between certain hours at night and into the very early morning, but most people will not choose this option. The location of where you park can also make a difference, because if for example you are able to lock your car away in a garage then this could lead to a slightly reduced insurance cost.
Article written by Carla Johnson. www.joeduffy.ie are among the very best motor groups in Ireland, with over 40 years of experience within the Dublin market.