Tips for Finding the Cheapest Northern Ireland Car Insurance

Finding cheap online car insurance in the provinces of Northern Ireland can be notoriously difficult and the issue isn’t helped by old TV coverage highlighting sectarian activities including indiscriminate bombings, car theft and car barricades. However, recent times have changed and road users in Northern Ireland can compare car insurance deals on price comparison websites and this has resulted in some great savings on typical car insurance rates.

A growing number of companies are now offering cheap car insurance in Northern Ireland and as premiums become more competitive, consumers are working harder to compare prices correctly and enjoy the residual savings. Price comparison websites seek out the cheapest car insurance quotes based on your personal circumstances and the area that you live in. Reputable resources also offer advice and written information that help you to slash premiums and save even more money.

Reducing Premiums

One way the best ways to save on your car insurance rates is to increase your voluntary excess. Most car insurance providers offer auto insurance quotes with a set level of excess that has to be paid by the policyholder before the carrier settles rest of the claim. However, conscientious shoppers can pay more than the minimum voluntary excess as a means of taking on part of the risk themselves, and this brings the cost of car insurance down. When deciding on the ideal excess figure, consumers should remember that the sum will be an additional out-of-pocket expense in the event of a claim after a road traffic accident. Although this represents a gamble as sorts, you would have to be unlucky enough to have more than one accident in the same year to lose out financially.

Vehicle Features

Consider adding extra security features to your vehicle as this can also drive down the cost of your car insurance premiums. You could consider the addition of an aftermarket immobiliser, security-etched windows or the latest GPS tracking device. Additional security features deter thieves as the car is more difficult to break into, and easier to locate after a theft.

Car Choice

Your choice of vehicle can have a significant impact on how much you pay for car insurance. A smaller, economical vehicle with a low engine capacity will attract cheap car insurance rates compared to a top of the range sports model with a high performance engine. Replacement components for top-level cars also increase the cost of car insurance, and repair costs after accidents are also considerably higher.


The overnight location in which you park your car will also affect the amount of money you have to pay for car insurance in Northern Ireland.  A vehicle kept at the side of the road without adequate street lighting attracts higher car insurance rates than a car that is kept under lock and key in a garage. Driveway parking helps to reduce premiums a little, but renting a garage for just a few pounds every month can save money in the longer term.

Driving History

A clean driving history is integral to finding cheap car insurance quotes. By minimising convictions for speeding and driving without car insurance, the typical Northern Ireland driver can slash car insurance rates by up to 30%.

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