With bills increasing each day, everyone in Ireland is doing what they can to save money. And we always want to save money on car insurance, but in the current climate, it is more important than ever. Whether you are looking to buy a house or put your kids through college this year, you need every penny, and we here at Gallagher understand the importance of getting the best value.

Now, how can you get cheap car insurance? When it comes to car insurance, we are qualified to search the market and compare car insurance quotes to give you the best price and advice. We can usually get you a better result over the phone, but if you would like to get an online quote, the following eight tips will help you. 



How to Get the Best Price Car Insurance:


1. Be Accurate with your Mileage 

One important factor in calculating your car insurance premium is your mileage per year. Be as specific as possible with your mileage, as the less you drive, usually the less you pay for your insurance. If you don’t use the car very often, keep the annual mileage under 10,000. It makes sense; if you’re not on the road very often, why pay more for your car insurance? Just think about it; do you only drive locally once or twice a week, or do you travel long distances regularly? All these factors affect your mileage.

*Please note that being completely honest in your estimate is very important, as underestimating your mileage could result in your policy being invalid and claims being rejected.


2. Adding or Removing Named Drivers to Your Policy

On some occasions, adding another named driver to your car insurance policy, such as a spouse, partner or a parent, could make your car insurance quote cheaper. Adding an experienced driver to your policy may lower your premium if you are a young driver. This feature may work in your favour, you won’t have to do all the driving! However, this is not always guaranteed, so it may be worth experimenting and playing around, adding and removing drivers, to see who has an impact on your car insurance premium.


3. No Claim Bonus

Your no-claims bonus is extremely important when calculating your car insurance premium. Check your no-claims bonus when your renewal arrives in the post. When you are filling out your online car insurance quote, make sure you put in the correct no-claims bonus. If you have been a continuously named driver driving someone’s car, this will count too.

On our online quote system, if you have been driving claims-free for over 10 years, make sure to put the maximum no-claims bonus, which is 9 years. The longer you go without making a claim, the more no-claims discount you’ll get, so it may be worth thinking twice about making a small claim if the damage is only aesthetic. 

You should also check if making a claim will affect your no-claims bonus, as it may not be worth making the claim, and you could pay to get it fixed separately. This will really affect the price of your car insurance quote.


4. Where You Park Your Car

The place where you park your car also can have a big impact on your car insurance premium. If you park your car on the side of a busy road, it’s at a much greater risk of theft. This means that it’s usually better to park it off the road in a secure garage or driveway. 

Always go for the secure and well-lit car park when you’re away from home. And, if you are able to keep your car off the road at night, either in a garage or a driveway, then your car will be deemed as having a lower chance of being vandalised or stolen, which will mean it will have a lower risk for insurers, and a lower insurance premium as a result.


5. The Security Features on Your Vehicle

Do you have an alarm, tracking app or immobiliser fitted to your car to reduce the risk of theft? Having these security items fitted to your car could earn you a discount with some insurers. However, not all companies offer this, so check how much you could save before unnecessarily taking the plunge and spending money.


6. Choose the Right Level of Cover

Sometimes the lowest levels of cover are not always the cheapest. It’s always worth talking through the best options for you with your insurer to ask if volunteering to increase your policy excess will help lower your premiums. Here are the two types of cover we recommend: 


Comprehensive – A comprehensive car insurance policy will cover the costs of damage to your own vehicle if you’re involved in an incident. It also covers damage to a third party or their property resulting from an incident.


3rd Party Fire & Theft – A Third Party Fire and Theft car insurance policy covers any damage to a third party or their property resulting from an incident. It also covers damage to your vehicle caused by fire or theft.


7. Compare Quotes

One of the best ways to save on your car insurance is to shop around and compare insurers. Our team of qualified advisors will search the market with over 14 insurers to get the best car insurance policy for you, saving you time and money. At Gallagher, we only work with trusted insurers to offer our clients the best value insurance policy with excellent benefits.


8. Call Gallagher and Get Cheap Car Insurance Quote

If you decide to get an online quote with us and are not happy with the price, we may get a better price over the phone. We have access to different discounts and are qualified to get you the best car insurance policy at the best price. Whether you’re looking for SUV insurance, young driver insurance, car insurance for women or learner driver insurance, look no further than Gallagher. 


Call us today at 0818 222 700; we will do all the hard work for you!