A cheap car insurance for first-time drivers over 30 in Ireland is easier to get than you think. We’ve put together a list of 9 top tips to help you save money on your premium.

If you’re over 30 and you’re a firs-time driver in Ireland, you need to know that you’re not alone. Many Irish motorists start driving in their 30s and they struggle to get a fair quote for cheap motor insurance. So let’s look at ways you can reduce your premium.

1. Check the price of comprehensive vs third party insurance

It’s 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 older or in relatively poor condition, there’s little reason in purchasing a comprehensive cover.

 

2. Seek out special deals on affordable car insurance tailored for first-time drivers over 30 in Ireland

ot all insurers offer specialised packages for this driver category, but don’t fret. Start by browsing online for affordable car insurance options suited to first-time drivers over 30 in Ireland. Alternatively, consider enlisting the services of an insurance broker who can scour the market to find the best fit for your needs. With their expertise, you’re more likely to secure cheap car insurance in Ireland at a very competitive price, tailored to your unique circumstances.

 

3. Utilise discounts by highlighting added security features

Once you’ve identified insurance providers offering deals tailored to your needs, request quotes from them. When completing each quote request form, be sure to emphasise any extra security features your vehicle possesses. Mentioning features such as alarms, immobilisers, or garage storage can significantly reduce policy costs, leading to savings in the long run. Don’t overlook these details—they can make a significant difference in your insurance premiums.

 

4. Explore multi-policy discounts for added savings

Ask your insurance broker about potential discounts for holding multiple policies with the same provider. Companies like Insure My Cars specialise in these bundled savings. By consolidating your insurance needs, such as home and auto coverage, they can secure competitive rates and additional discounts. Our Multicar insurance discount caters to families, couples with two cars, and car enthusiasts alike. Take advantage of these opportunities to maximise your savings and ensure comprehensive coverage across all your insurance needs.

 

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. Explore discounts for insuring two cars with the same provider

If there are two or more cars in your household, consider insuring them both with the same provider. Many insurers offer discounts for households with multiple vehicles. For couples or families with two cars, this can lead to significant savings on insurance premiums. Companies like InsureMyCars.ie often provide special discounts for insuring two cars under one policy. By consolidating your car insurance needs with a single provider, you can simplify your coverage and unlock additional savings.

 

7. Increase the excess on your policy

The excess is the amount you’re responsible for paying in the event of a claim. Increasing your excess can lower your monthly insurance premiums. However, this means you’ll need to pay more out of pocket if you do need to make a claim. It’s important to weigh the potential savings against the increased risk. Examine your financial situation carefully and consult with your broker before making any changes. Keep in mind that while some insurers offer discounts for higher excesses, others may offer discounts for lower ones. Ultimately, choose an excess amount that aligns with your financial capabilities and risk tolerance.

 

8. Save by paying your insurance premium upfront

Paying your insurance premium in one lump sum for the entire year can lead to significant savings. With upfront payment, you avoid monthly instalments and potential interest charges. In fact, choosing to pay monthly could cost you up to 30% more over the year. For example, if your annual premium is €500, opting for monthly payments could increase your bill by €150. While some insurers may offer a slight discount of around 8% for paying in instalments, paying upfront still results in overall savings. Consider this option to maximize your savings and simplify your insurance payments.

 

9. Select the Right Car for Lower Insurance Costs

When choosing a car, consider factors that can impact insurance premiums. Opting for a newer vehicle with advanced safety features may result in lower insurance costs. Similarly, vehicles with smaller engine sizes often attract lower premiums due to their reduced risk profile. Prioritise cars with excellent safety ratings, as insurers often offer discounts for vehicles equipped with features like automatic emergency braking and lane departure warning systems. By selecting a car with these attributes, you can potentially save on insurance while ensuring the safety of yourself and your passengers. Consider one of these best cars for first-time drivers and save on maintenance, insurance and taxes.

 

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 dri