Car Insurance Tips: What You Need to Know to Reduce Your Premiums


When you’ve got a car, there are several factors that eat up a lot of your budget in maintaining it. The main expense is, of course, petrol. However, the next biggest outlay for your car is the insurance. The roads are never a hundred percent safe, and getting into an accident will result in damage that needs to be repaired and injuries that require medical attention. Fortunately, it’s possible to lower the amount you have to pay in your insurance premiums. Here are a few tips.

Know How Your Premiums are Calculated

The most important step that you can take when getting car insurance quotes from companies like Simply Insure is to ask them how they calculate the premiums. There are a lot of conditions involved into deciding how much you’ll pay.
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Car Insurance in Ireland: Get to Know the 3 Available Types of Cover


Third-Party Cover

Third party cover is the minimum car insurance cover required by law. If you are at fault in an accident, this type of insurance pays the other party for the cost of damages that he or she suffered, including property damage, injury, and death. It also includes coverage for the other party’s financial losses arising from injuries from the accident, including medical expenses and loss of income. Third party cover offers no pay-out for damage on your own car from an accident where you are at-fault, or for your losses in case of fire or theft.
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Car Insurance in Ireland: Three Types of Coverage You Can Choose From


On the provider’s side, a number of factors are considered when presenting car insurance quotes, including the driver’s experience, previous driving convictions and penalty points, and the main use of the car.

Those looking for insurance should bear in mind that different providers could offer different rates, even with the same factors considered, so it pays to shop around. The best insurance brokers like Simply Insure have user-friendly online tools that make it easy for shoppers to compare rates and find the coverage that suits their needs and budget.
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