Insurance in Northern Ireland is notoriously expensive, but you can’t go without it, so what should you do? You have to employ some clever tactics and go on a hunt to find the best value car insurance there is. Use these tips and make sure that you find yourself a bargain.
Don’t Accept the First Offer
If your current insurer has offered you a renewal quote, don’t accept it blindly. Do your homework and make sure that their offer is competitive and your needs are the same. If you find that there are offers that are better than your current insurer, then let them know and they may reduce their offer.
Use a broker, such as Autoline, as well as price comparison sites and direct insurers too. This way you will get a more comprehensive picture of what is a good price and which isn’t. Autoline provide car insurance NI that finds the best insurance for you in Northern Ireland. Play around with your quote, considering what type of cover you really need, however, you should make sure that you are being honest at all times.
Save an Excess
The higher your excess, the lower your premium will be. However, the excess is the amount of money that you pay up front, so you must make sure that you have this money before you agree to the policy. It means that you are able to take on some of the risk, and therefore reduce the price that you have to pay.
Reduce The Risk
Things like installing security measures and keeping your car in a garage or on a drive at night can reduce your premiums. If you’re a new or young driver, adding a more experienced, older driver to your policy can mean that the price you pay is reduced too.
Buying car insurance in Northern Ireland can be expensive, but if you hunt around then you will find one that is affordable for you.