Comparing Online Car Insurance in Ireland to Make the Right Insurance Choice

The Irish government requires you to have valid car insurance in order to use your car on public Irish roads. The Irish government enforces this regulation with strict penalties and fines for those who are caught driving without a valid certificate of insurance. While the majority of Irish drivers are legally insured, many pay too much for their car insurance. Fortunately, you can find the best car insurance in Ireland by comparing insurance rates on the Internet before making the right choice.

Steps for Comparing Car Insurance

Comparing car insurance in Ireland starts by identifying the type of insurance coverage that you want on your car. Ireland contains three basic insurance policies that are made available to Irish residents by every major insurance company that has services in Ireland. Third party insurance coverage is the minimum policy required by law and is the cheapest policy to consider. The third party, fire and theft policy is the second most expensive policy and the comprehensive coverage policy is the most expensive in the Irish market. Make sure you only compare policies that are within the same category in order to make the right choice.

Car insurance companies in Ireland use a variety of factors to determine your estimated insurance rate. Factors include your age, gender, driving experience, profession, where you live, type of car, value of car and your accident history. Even though you may fill out the same information for five different car insurance quotes, the rates may all be different because each company calculates the rates slightly differently. Irish car insurance companies will usually offer standard discounts for an accident-free driving history but may offer different discounts for other factors such as where you live and what type of car you own.

Use the Internet to compare estimated car insurance quotes from multiple different Irish insurance companies. Insurance companies such as Aviva, 123, AXA, FDB and AA Ireland all operate websites where you can receive a car insurance quote estimate. Look for the level of coverage you prefer and the policy that offers you the greatest number of discounts. Pay attention to discounts based on your driving record, marital status and security features equipped in your car. Additionally, many Insurance companies in Ireland offer you a discount when you purchase car and home insurance from the same company. By carefully comparing insurance quotes from all of the premier Irish car insurance companies, you can make the right choice based on policy and discounts.

Tips to Save Money

Many people are struggling financially right now. The credit crunch has hit hard and left millions of people desperate for money. Jobs have been cut, companies closed. Debts are being called in and every day hundreds of people are losing their homes and being declared bankrupt.

This may sound like scaremongering but the statistics back this up. It is facts, not some people trying to scare you in the name of making news. It is why you need to take control of your finances – and why you need to make savings and cut back anywhere that you can.

Tips to Save Money

As ever we like to be helpful. So, since we live to serve, we have collected this wonderful list of tips to help you save money.

· Assess your finances. It is amazing the amount of people that are paying out money that they don’t need to – and aren’t even aware of it. Old mobile phones they forgot to cancel, gym memberships they don’t use any more, book memberships that just go in the bin – anything you are paying monthly for but forgot about. You can save a lot of money on this.

· Look at your bills. Are you paying too much? Shopping around on everything from mobile phone contracts to your car insurance can end up saving you hundreds a month. And don’t be afraid to negotiate – it is amazing the deals some companies will give you if you suggest that you are going to move to a competitor.

· Trade down. Do you really need that expensive car, for example? If you have an expensive high ticket item like that (or even your home) you might be able to save considerable amounts of money by trading to a smaller one.

· Sell your junk. Ebay, car boot sales and the like are becoming more and more popular – and have a market of buyers who could well be interested in buying what you consider to be junk.

· Buy 2nd hand. Just as you can make good money at 2nd hand sales and websites so too can you buy bargains… so look around there and see if there isn’t something that you were going to pay full price for.

· Trade in on a skill. Right now people are trying to save money – they don’t want to pay massive garage fees when they could pay someone who can fix it for a lot less. They don’t want to pay full prices when they can bring in skilled amateur labour. Anything form tutoring to writing can be utilised by someone.

· Get freebies. Online there are a huge number of freebie sites – and it is amazing what you can get for free. But even if you don’t get lucky with these you can still look at using your local library to get free books, DVDs etc. Also look to the Internet to get you free music through legal applications such as Spotify.

Obviously you will be able to save a lot of money by other methods too – but this should get your brain thinking at the very least.