subject: Are You a Young Driver in Ireland? Here is How to Save on Your Car Insurance [print this page] Are You a Young Driver in Ireland? Here is How to Save on Your Car Insurance
If you live in Ireland and drive a car, then you must have undergone the typical dilemma that most Irish car owners face with insurance. On one hand, you stand a chance to make a commendable saving in case of any accident or claim. On the other hand, of course you have to keep paying premiums no matter whether you claim on the insurance or not.If it were not for the legal requirement, would any of us have insurance at all?
With a couple of smart moves, it becomes a lot easier to save on car insurance premiums, thus remaining insured and maximising coverage while minimising your out-of-the-pocket expenses. Some helpful points to note are:
Voluntary excess (self-payment) option: Opt into this only if you are sure that you are a good driver and have minimal chances of causing an accident. With this option, you cover your basic car requirements with your insurance, but may need to pay some parts from your pocket that would be covered otherwise. Your insurer may not automatically place you in this bracket, so if you want to go for this option then explicitly ask and choose.
Avoid the performance mods: Car insurance premiums are much higher if you have modified your car in any way. It's as much to do with the fact that this is a signal of the type of driver you are as it is a factor of improving the performance of the car. Young drivers with modified cars are much more likely to be dangerous drivers. Are you one of these?
Have secure parking: While obtaining the insurance, make sure that you prove that you have secure parking, especially if you live in a city such as Dublin, Galway, Cork or Limerick. If this is a garage under lock and key inside your premises, then that is ideal. Parking on an open and unprotected road or driveway increases the premium since the car becomes more vulnerable in this case.
Install adequate security devices: If you buy devices such as immobilizers or tracking alarms, then the insurance premium goes down because of the enhanced security of your car.
By taking the measures mentioned above, you may end up saving a reasonable amount of money on your car insurance. And a lot of young drivers in Ireland follow these practices to successfully lower their car insurance premiums.
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