A cheap car insurance for first time drivers over 30 in Ireland is easier to get than you think. We’ve put up a 8 tips list to help you save money on one.
If you’re over 30 and you’re a first time driver in Ireland, you need to know that you’re not alone. Many Irish motorists start driving in their 30’s and they struggle to get a fair quote for a cheap motor insurance.
1. Check the price of comprehensive vs third party insurance
It is always a good idea to compare different quotes or to start your search with this. First, check the price differences between comprehensive and third party fire & theft insurance. If the value of the vehicle is not high, it might not make financial sense to pay the difference and you could save on your policy. That means you only pay for the cover you need. And if your car is old or in relatively poor condition, there’s little reason in purchasing a comprehensive cover.
2. Search for special offers for cheap car insurance for first time drivers over 30 in Ireland
Not all insurance companies have specific offers for this drivers category. So, if you find yourself in this situation, a good idea to start with is to search online for cheap car insurance for first time drivers over 30 in Ireland. You should be able then to choose the best car insurance in Ireland for your situation, the one that suits most of your needs if not all.
3. Use the discounts for extra security features
After you narrowed down the insurance companies who have offers for your particular situation, you can request quotes from them. When you fill in the information needed in each insurance quote, make sure you mention any additional security features. This can bring down the cost of the policy and save you money. So remember to specify if you have an alarm, an immobilizer or if your car is kept in a garage because it all adds up at the end of the day.
4. Look for discounts for having more than one policy with the same provider
Why not ask the insurance broker if you are eligible for a discount if you have more than one policy with their company? For instance, companies like Insure My Cars specialises in these kinds of discounts. By bundling all your insurance policies together, they can get you the best insurance rates and discounts. Their Multicar insurance discount is specially designed for families, couples with two cars, and car enthusiasts. This is yet another good way to save a buck.
5. Try adding a named driver
After that, adding a named driver to your policy is always a good way to bring down the total cost of your insurance. For example, in many cases the insured and spouse/partner rate is lower than the insured only.
6. Check for discounts for insuring two cars with the same provider
Moreover, if there are two or more cars in the family, try to insure them both with the same company. Yet again, companies like insuremycars.ie offer significant second car discounts.
7. Increase the excess on your policy
The amount of money you have to pay for a claim is called the excess on insurance policy. The excess can be increased to reduce the monthly cost of your insurance. However, this will increase the risk that you will have to pay out more money if you make a claim. You should only consider a higher excess if the savings would be substantial in the long run. The excess is usually set by your insurer and can vary from company to company. Some insurers in Ireland offer discounts for choosing higher excesses, while others offer discounts for choosing lower ones. It’s key to remember that if you opt to pay a higher excess and you have an accident then you will need to be in the financial position to cover the cost. Think about your financial situation and consult your broker before you up the excess on your policy.
8. Pay upfront for your insurance
Paying upfront for insurance is a great way to save money. This is because you are paying for the full year of coverage in one lump sum and not having to worry about monthly payments. You could end up paying as much as 30% more by opting to pay your premium in monthly instalments instead of upfront. If you paid your premium in instalments instead of upfront, your bill could have been €150 higher this year. Some insurers have a lighter loading of around 8pc for those who pay in instalments, but you will still save some money if you pay upfront.
You can also consider buying one of these best cars for first-time drivers and save on maintenance, insurance and taxes.
To conclude, we know that searching for a cheap car insurance for first time drivers over 30 in Ireland can sound like a daunting experience, but it doesn’t have to be. Even if you just got your driving licence from NDLS today. Follow our tips and you can get yours without too much hassle. Or you can just ask Insure my Cars to give you a quick quote now.
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