We all want to make savings on our insurance but those living in NI have had more problems than most. This was due to the many problems that occurred in Northern Ireland which included the stealing of cars and using them as burning barricades. Times have changed and now residents can have access to great savings. There are also many ways that you can help yourself to make savings on your insurance quote Northern Ireland.
The type of insurance chosen would go towards how much you would pay for your insurance. Third party fire and theft is one of the cheapest ways of taking out insurance but this type of policy would only provide you with cover for fire and theft for your own vehicle along with providing insurance for the third party. This type of insurance could be suitable if you have an older model of car. Fully comprehensive is the dearest form of insurance but it would provide you with the most complete cover for your own car. You would need to take this type of cover if you have a brand new car.
You could offer to pay more in the amount of excess that the insurance provider asks for. All insurance providers will set a minimum amount but by paying more in excess you could save on the premiums for your insurance. The excess is what you would have to find out of your own pocket in the event that you had to claim on your policy and then the insurance provider would take over the rest of the claim. Therefore when choosing the amount you want to cover you would have to bear in mind that should you need to make more than one claim in the same year you could lose out.
However when comparing quotes for insurance you should always compare the small print in a policy as this would differ with some providers adding more exclusions and limitations into the policy. For example some insurance providers could ask that you pay an additional excess for windscreens, particularly if you have a 4 x 4 that you want to insure and you take part in off road driving.
Security will be an important part that goes towards deciding how much your insurance quote Northern Ireland would be. Parking your vehicle in a garage that is locked will help to keep down the cost of insurance as opposed to leaving it by the side of the road. If you leave your car by the roadside then it would be at risk of theft or vandalism. It could also be easily damaged by another vehicle passing. These factors would not come into play if the vehicle was safely garaged.
If you are buying a brand new car then it will usually have security features in it. However there is nothing to stop you from buying and installing such as an immobiliser, a car alarm or having your windows etched. Any of these would go towards your car being harder to steal and so would help to keep down the cost of your insurance quote Northern Ireland.