Basic Insurance Facts Every Irish Car Owner Should Know

Car accidents happen. The only way to protect against them is to take out some insurance. Before you even begin browsing car insurance quotes, here is the most important thing you should know: Car insurance anywhere in Ireland and the UK is legally compulsory, and you’d be committing an offence if you drove a car anywhere without being properly insured. Car insurance policies vary greatly depending on the specific driver and vehicle, but almost all of them can be put into three main categories: Third Party, Third Party Fire and Theft, and Fully Comprehensive.
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Ways to Reduce Your Car Insurance Costs

Whether you’re new to driving or the time to renew your policy is upon you, it’s always worth trying to find ways to reduce your car insurance. Research has found that drivers in Ireland who switch providers save an average of €102, which presents a good case for shopping around. However, are there other ways you could keep your costs down?

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Ways to Save on your Car Insurance Premium

Getting your own car is expensive enough, running and keeping up with the maintenance can be equally costly over time. Car owners not only have to deal with the costs of petrol and annual tune-ups, but also for car insurance premiums. Do you know that there are ways for car owners everywhere to make sure they are getting the best rate on their car insurance premium? Continue reading

Car Insurance Quotes and Your Credit Rating

In the old days, if you consulted with numerous car insurance companies, your credit rating could go down. Often, getting a quote was seen in the same light as loan or lending searches. Do more than two of them per year and it might affect your credit rating.

Car insurance companies and comparison sites typically use their accounts with credit scoring companies to look at your rating and prominent points on your credit file. Using this information they can find out if you are an applicable candidate for their car insurance, and they can come up with a car insurance quote based on that and the other information you gave them.
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Pointers in Finding the Right Insurance Coverage

Finding young drivers’ insurance, insurance for lady drivers, as well as van and caravan insurance isn’t always easy. Fortunately, there are some great companies out there that can not only make the process easier, but also give you incredibly competitive rates. The following is a list of pointers that could help you find the right coverage for your unique needs.

Tip 1: Know the Company You’re Working With

There are basically two different types of insurance agents: captive or exclusive, and independent agents or brokers. Exclusive agents represent only one insurance company, and typically can only offer one price for an insurance policy. On the other hand, independent agents or brokers can help you shop around for an insurance policy, and present various options with regard to premium, coverage, and insurer. While each type of agent offers its own benefits, you might want to work with a broker if you want to do comparison shopping. Continue reading