Young and 1st time drivers
- How to keep your insurance premiums low.
So you have got your first car, you’re either learning to drive or you've just passed your test, and you can't wait to get out on the open road and test out your new wheels. You're ready to enjoy the freedom of having your own transport. However the cost of insurance is a hurdle you are facing. How can you afford to insure your pride and joy, and get that car out of the driveway and onto the road?
QUINN-direct Car Insurance Ireland has compiled a list of our top tips on how to keep your insurance premium lower if you're a young or first time driver. If you take on the following points, QUINN-direct Car Insurance Ireland will be sure to give you a quote that is one of the most competitive in the market place.
At QUINN-direct, QUINN-direct Car Insurance Ireland look favourably on first time drivers. They also offer introductory discounts to first time policyholders who have previous named driving experience on another person’s policy.
Here is our Top Ten Tips for a cheaper premium:
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1. Type of car
Don't choose a high power engine, or luxury car as your first vehicle. These types of car are typically more expensive to insure, especially for young and 1st time drivers. QUINN-direct Car Insurance Ireland would recommend buying a car that has a smaller engine size, and is of a standard model, and free of modifications. A 3 or 5 door hatchback with approximately a 1 Litre capacity, or a car in a lower insurance group may be best for you.
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2. Value of your car
The lower the value of your car, the cheaper your car insurance is likely to be. Don't go out and buy the biggest flashiest, most expensive car you can afford. If you are reading this article, you're looking at ways to save money. High value, flashy cars are considered a high risk. Again if you keep to a good, reliable second hand car, that doesn't cost the earth, this will help reduce your premium. (See suggested cars in point 1.)
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3. Type of cover
Get third party fire and theft cover. Third party cover is the minimum amount of cover you need to have to legally drive on the road. This type of cover will protect you against damage to other people's property or injuries you may cause to them.
Third party fire and theft also covers you for loss or damage caused by fire or theft to your own vehicle. It does not cover any accidental damage you may cause to your own vehicle.
Comprehensive cover is a bit more expensive, however in addition to what is covered by third party fire & theft, it protects you for accidental damage to your own vehicle.
All above are subject to the terms and conditions of the policy.
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4. Keep a clean licence
Be sensible and drive safely, and avoid penalty points or convictions. Any points or convictions relating to dangerous driving will undoubtedly influence your premium. Never ever drink and drive, or speed. A young driver with any of these type of convictions on their record, is likely to find it impossible to get insurance and if they do, it’s likely to be so expensive that it won't be worth your while.
If you keep accident & claims free for the duration of the cover, when you renew your insurance you will be entitled to a 'No Claims Bonus' discount for the previous year of safe driving.
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5. Choose your drivers carefully
When you are getting your insurance quote, it may be cheaper to limit the cover to yourself. However, you may be able to add named drivers to your quote at no extra charge! The way it works is if you are the highest risk driver, adding other drivers of a lower risk will not bump up the price. Why not price adding your parents to your policy? It’s certainly worth a try – QUINN-direct Car Insurance Ireland all like getting something extra for free!
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6. Keep the cover basic
As well as limiting your cover to Third Party Fire and Theft cover, you can keep the price lower by not adding any additional extras on, such as windscreen cover or no claims bonus protection. Of course, they don’t cost very much anyway, but you may be in a position where you want the most basic cover for the cheapest price. Don’t forget, QUINN-direct Car Insurance Ireland have some great benefits included in all of our policies which won’t cost you an extra penny!
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7. Keep your mileage low
The less you drive, the less of a risk you are. QUINN-direct Car Insurance Ireland understands this, and it is only fair that they offer a cheaper price to those drivers who aren’t on the road as much as others.
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8. Pay in full for the lowest price available
This will mean no monthly payment charge. If you are lucky enough to be able to pay in one go, do that! It’s cheaper after all.
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9. Buy your policy online
QUINN-direct Car Insurance Ireland are currently offering you a 5% discount if you purchase your policy online. Wouldn’t you rather keep it?!
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10. And finally...
and perhaps most important if you’ve been driving before. You may be entitled to a discount if you’ve been a named driver on someone else’s policy or if you’ve had 25 lessons with a DIR registered instructor. Why not get a quote now to see how much you can save?
QUINN-direct Car Insurance Ireland understand that getting insurance cover for the first time can be a costly business, so if you adhere to this advice, you can reduce your insurance premium. Remember, that driving without insurance is illegal, and if you are involved in an accident that is your fault, you will have no protection against the unlimited expense involved, not to mention the legal consequences of not having insurance cover.
Its not all doom and gloom, if you start driving now and begin to build up a history of accident free driving with no claims, it won't be long before you will have a good driving record and a 'No Claims Bonus' entitlement that will dramatically reduce the cost of your cover. Why not get a quote now to see how much you can save?
You may want to get more information about Cheap Car Insurance Ireland
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