With vehicle accident rates increasing with every passing year, there would be no better time to get great car insurance advice than now. Even though you might put off getting insurance for your vehicle, there might come a time when you would be involved in a terrible accident. While that might be an ordeal in itself, you would have a very limited scope when it would come to recovering money for your car. If you would not have it insured, then there is no way that the situation would work in your favor. For more information check out https://www.quotedevil.ie/car-insurance-simple.

Therefore, if you would have a family that you would need to take care of, one of the most important things that you would be able to do to protect them would be to get your car insured. Even though this might not be something that you would find yourself to be entirely familiar with, that should not in any way deter you. This is because of the better prepared that you would be for this, the better deal that you would be able to score.

 

In terms of getting premiums for your car, one thing that you should keep in mind is shopping around for your policy. This is because getting motor insurance could be compared to shopping for other things. You would look at other places, compare the prices, and then decide which one is offering you the best deal. The same would be the case in here as well.

 

If you would still not find yourself to be sure for the entire thing, then it would be recommended that you take an expert along with you. They would be able to explain all the technical terms and make sure that you would grasp an understanding of the entire situation. in addition, you would also be assured of the fact that this expert would be looking out for your best interests. The same thing could not be said for the company as they would be more focused on making a sale and then getting a compensation.

Great car insurance advice

Amongst the other helpful tips that you would be able to keep in mind, take a look below.

  • Not including everyone in your policy

Since this is your family that we are talking about, it would be quite normal that you would like to include everyone in your policy. However, it would be highly advised that you would not do that. Hence, it should be ensured that only the regular drivers would be included in the policy. This is because you would always be able to add a new name after a couple of days if it would really be required.

  • Protecting the no-claims bonus

One of the best ways of cutting your cost of car policies would be a long no-claims bonus. As a result, you should do all that you can to protect it. Even though this might increase the premium to some extent, this would eventually fade into insignificance.

However, the definition of a no-claims bonus is likely to vary amongst the insurers. It would be for this reason that you should get everything cleared out right at the very beginning to avoid any confusion later on. In addition, you should also check the policy very carefully.

  • Increasing your voluntary excess

By agreeing to pay more towards the cost of any accident that might happen could contribute towards bringing down the premiums. Also, if you would be found to be innocent during the course of the accident, then the excess could easily be recovered. On the other hand, you should also be aware to not become tempted to rise too high. This would be particularly true if you have a car that is being valued at a low price.

  • Securing your car

Take the extra effort of fitting an immobilizer, approved alarm, or a tracking device. Over the course of time, it would be able to attract a discount of around five percent. While this might not seem like much, you would be thankful that you took this added precaution.

  • Doing fewer miles

This is because reduced mileage would equal enjoying a greater saving. However, you should be completely honest and upfront about your annual mileage. If any sort of discrepancies would be found, then it could jeopardize your entire claim. Also, you should check your use cover. If you would not use your car for driving to work, then you might be able to get a cheaper rate.

 Extra tricks to cut the insurance burden upon yourself

Where great car insurance advice is concerned, there would also be a couple of extra tips that would be able to make life easier for you.

  • Do not forget to haggle

While haggling might seem like something demeaning to you, this would need to be done if you would like to score the best insurance rate for your car. This is because you would soon be able to realize that the car insurance market is indeed notoriously competitive. So, once you have landed your cheapest price, you should get on the phone and start your bargaining battle.

  • Avoid paying monthly charges

This would be linked to direct debit installments, which would then, in turn, be linked with higher interest rates. So, an alternative option, in this case, would be to borrow the money on a credit card with zero interest rate. Once you have done that, you should then clear it within a year’s time.

Therefore, these would be some of the helpful information that you should know about where great car insurance advice is concerned. Above all, you should take the extra effort of making yourself a better driver. This is something that you would be able to do by adhering to speed limits, driving carefully, and also keeping in mind the other drivers on the street. Even though some of the accidents might happen what with you not being at fault, it would never hurt to be extra cautious. This would be particularly important where your family would be concerned.

http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/motor_tax_and_insurance/motor_insurance.html

https://en.wikipedia.org/wiki/Vehicle_insurance

http://www.dttas.ie/roads/english/motor-insurance

http://www.irishstatutebook.ie/eli/2008/si/248/made/en/print

http://www.belfasttelegraph.co.uk/cars/8-ways-to-find-the-best-car-insurance-for-younger-drivers-36203056.html