There are many factors taken into account by insurance providers when you are applying for quotes for car insurance for Northern Ireland residents. Insurance providers may consider your age, whether you are male or female, the size and type of car you drive, security of your car and even where you park your car. As a result, you may want to consider these factors and take action to reduce the cost of your car insurance wherever possible.
Install security devices â€“ the security of your car is a major concern for the insurance provider as if your car is stolen you make a claim on the policy. Therefore, you may want to look into ways of improving the security of your car. You may for instance install a good quality alarm system; fit a tracking device or an immobiliser on the car. Any of these devices may help you to keep down the cost of the insurance quotes for your vehicle insurance.
Put your car in a garage â€“ if you park your car in a garage then it may be safer than if you had left the car by the side of the road. If you leave your car on the road, it is vulnerable to damage from passing vehicles, vandals and thieves.
Pay more in excess â€“ there is always a certain amount of excess that has to be paid out of your own pocket if a claim is made on the insurance policy. Providers always insist on a minimum amount but you may offer to pay whatever you want over this amount, which may help to lower the cost of the premiums.
Fully comprehensive or third party â€“ fully comprehensive insurance provides the most protection for your vehicle but it is the most expensive way of taking out car insurance for Northern Ireland residents. If you have an older car, or you are considering buying a second hand vehicle, you may want to consider taking out third party fire and theft insurance as this usually comes with lower premiums.