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Tips to Get Cheaper Car Insurance

Posted on October 27, 2016

Cheap Car Insurance

Looking for cheap car insurance? The cost of car insurance is a widely discussed topic at the moment. As we have stated previously, there are many factors influencing the increase in car insurance premiums including under-pricing in the past and the cost of compensation in Ireland. But what can you do to get a cheaper quote? We’ve compiled a list of tips on how you can get cheap car insurance.

Car Engine Size

Reducing the engine size of your car is a direct way to get cheap car insurance. The cost of your premium can increase dramatically if you drive a high performance car. 

Car Engine SizeIt may be tempting to buy a car with a higher engine size. Their acceleration and performance are usually much better and you may require a larger engine if you’re pulling heavy loads with your car. But it’s worth while to take a step back and ask yourself whether you really need to buy a 2 litre car compared to a smaller engine size. Not only will it reduce the cost of your car insurance, but it also reduces you car’s fuel consumption and is kinder to the environment. On top of that, if you’re driving a car that was manufactured before 2008, it may also lead to savings of more than €400 on your motor tax!

Along with the savings that you can make on insurance, fuel and tax, it may also lead to safer driving. The reason your car insurance increases if you drive a higher performance car is due to the increased risk of an accident. Driving a car with a lower engine size encourages you to drive more slowly and thus reduces your chances of being involved in a serious accident. 

Spend Less Time on the Road

Spending less time driving your car reduces the likelihood of you being in an accident. We know that it’s unrealistic to ask you to cut down your car trips especially if you’ve kids who need to be dropped to school, football, dancing lessons, swimming…the list goes on. If you own a car, chances are that you usually need to be on the road. But you can make a conscious effort to cut down on the number of trips that you make per day. Why not pick up your shopping on you way home from dropping off your kids instead of making two trips? You’ll end up reducing your chances of an accident, save on fuel and help save our planet. When you’re filling out your car insurance application, you will usually be asked your annual millage and lower millage usually means lower premiums!

Avoid Penalty Points

The number of penalty points that you have accrued can be a key indicator of your driving history for insurance companies. You will see an increase in your insurance premium after 4 penalty points or more with most insurance companies. KennCo allows you to have 5 penalty points without adding anything extra to you premium. Penalty points last for 3 years in Ireland so if you’re caught driving while using your phone on one occasion and driving with worn tyres on another in the space of three years, you’re likely to see an increase in your insurance premium. The amount of offences that result in your receiving 3 penalty points has increased recently. Some of these include:  

  • Garda CheckpointFailure to stop a vehicle before stop sign/stop line
  • Failure to yield right of way at a yield sign/yield line
  • Crossing continuous white line
  • Failure by vehicle to obey traffic lights
  • Failure to leave appropriate distance between you and the vehicle in front
  • Holding a mobile phone while driving
  • Driver of Car or Goods vehicle not wearing Safety belt
  • Failure by Driver to comply with rear seat belt requirements for passengers under 17 years

You can see a full list of offences that incur penalty points on the RSA website. It goes without saying that you should always be aiming to driving safely enough not to accrue any penalty points. Not only does help you to get cheap car insurance but it also means you’re a safer driver for yourself and others on our roads.

Summary

In summary, the lower the risk of being in an accident, the higher your chances of getting cheap car insurance. Lower speeds, reduced risk taking and less time driving should result in you getting car insurance that you can afford.

If you’d like to get a quote today, ring one of our agents on 0818 25 20 25 or visit our car insurance quote page.

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