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1. Good Car Insurance advice…
Roadside assist – just call your car insurance company in the event of an accident
and they will give you free advice over the phone and send a tow truck if required.
Breakdown cover – if you breakdown
anywhere in Ireland, you can call you car insurance company and they will send a
mechanic to help you get moving again. If this is not possible, your car insurance
company may tow you to the nearest approved garage.
Windscreen cover – if you break your windscreen or even get a crack, you can claim
from your car insurance company. Most insurance companies will allow you to claim
for your windscreen without affecting your no claims bonus and will send a repairer
to your home or place of work to minimize inconvenience.
No claims bonus protection – many car insurance
companies allow you to pay a small additional premium to protect your no claims
bonus. This means that if you have a car insurance claim, you will not loose your
entire no claims bonus. Instead, your car insurance company will step back your
no claims bonus by 2 years.
Driving other cars – many insurance companies will allow you to drive another car
(with the owners permission of course) if the cc of the car is the same or less
that your own car for third party only cover.
2. Many Factors can influence the cost of your car insurance
Car insurance Companies use risk underwriting combined with actuarial analysis to determine what amount
of premium you will pay for your car insurance. Car Insurance Companies will group
car drivers into different classes such as their age and driving experience.
Insurance companies will put different types of cars into groups depending on their
engine size, cc, value and acceleration compatibility. Car Insurance Companies will
use software programs to help them determine the premium that they believe to be
correct for your specific risk. This is why you need to answer so many questions
before getting a car insurance quotation.
3. Car Insurance Premiums vary by Insurance Company
Since there are so many variables used by insurance companies to determine
the premium that they believe is appropriate for your risk, it
is natural that each car insurance company can have a different view of the various
groups of drivers, cars and driving experience. This is the reason why Insurance
Premiums vary so much by Car Insurance Companies. This is also why it is so helpful
for car insurance buyers to shop around on comparative websites such as Quoteme.ie
4. A Higher excess can lower your car insurance premium
A great way to lower the cost of your car insurance is to ask for a higher excess
when obtaining car insurance quotes. Having a higher excess on your car insurance
policy will affect you only when you have a claim. For example, say you have a €2,000
excess on your car insurance policy and you crash your car. You will be claiming
from your car insurance policy and you will have €2,000 (or the amount of the excess
on your car insurance policy)
deducted from the settlement value of your car insurance claim. To see how much you can save by having a higher excess on your car insuarnce policy, get an online quote with www.quoteme.ie. Go for standard car insurance with a low policy excess. Then get a quick quote with a high excess and compare your two premiums.
5. The type of car you drive will affect your car insurance premium
Your insurance underwriter will take into account the type of car you drive. If
it is very expensive to repair after a car accident, then you may pay more for your
car insurance. If it has a car alarm or a tracking device, your car insurer will
probably allow a discount off your premium. It is important to note however, that
the vast proportion of your car insurance premium is for liability or third party
only cover. This is the minimum car insurance
you need to have on your vehicle to drive in Ireland and protects you financially
if you have an accident and the accident is deemed to be your fault. In this case,
your car insurer will pay the third party for the damage caused to his vehicle and
other property as well as any third party injuries.