Dublin City Car Insurance
About Us
When it comes to a professional and personal service, our friendly, and knowledgeable insurance agents with Dublin City Car Insurance put you and your needs first. With our established reputation for excellent customer service and quality insurance products, we can offer you award-winning car insurance in Dublin. We are 100% committed to providing you with the best car insurance deals from a wide range of the leading insurers to get you the cheapest car insurance policy that is suitable for both you and your budget. Whether you are looking for first time, young driver’s insurance, or professional comprehensive car insurance then we are the go-to company.
We combine high-quality customer care and exceptional car insurance cover that will ensure you experience the best possible service. At Dublin City Car Insurance, we strive to get you only the lowest possible price and all the great benefits, giving you total control of your car insurance policy. If you have any questions, our team are just a phone call away and are ready to help whenever you may need it. Get a quick quote online today.
Posted 11 Aug
As a young driver, finding ways to reduce your car insurance premiums are probably at the top of your list and the number one priority. As a new and young qualified driver, when it comes to getting on the road for the first time there are a number of costs ranging from car tax, cost of the car you purchase, and the car insurance cover. The most expensive aspect being your car insurance for the first couple of years. Insurance isn't kind to many young drivers as the insurance premium is often higher than the more experienced drivers.
As a young driver, finding ways to reduce your car insurance premiums are probably at the top of your list and the number one priority. As a new and young qualified driver, when it comes to getting on the road for the first time there are a number of costs ranging from car tax, cost of the car you purchase, and the car insurance cover. The most expensive aspect being your car insurance for the first couple of years. Insurance isn't kind to many young drivers as the insurance premium is often higher than the more experienced drivers.
Factors that affect your insurance premiums
- The class and age of your vehicle
- Your age
- The number of claim-free driving experience you have
- The years you have held a full/learner driving licence
One of the main factors that can affect young drivers is they do not have access to driving experience discounts or no claim bonus so you will be required to pay a lot more than drivers who have many years of experience on the road. It is essential that you do your research and get the insurance experts to find you the best deal and price where possible. So, here are our helpful tips for reducing your car insurance as a young driver.
- Buy a reliable and safe car
The quickest way to get cheaper car insurance as a young driver is to buy a safer and more reliable car. It may not be your dream car however it will cost you a lot more if your car comes with more risk and a higher safety rating.
- Avoid sports and high-performance cars
It might be fun to drive around in high-performance sports car however it would cost a small fortune to run on tax, insurance, and fuel. The higher-spec and power of your vehicle the more your motor insurance will cost. If you were involved in an accident in a high spec vehicle it would cost you a lot more on repairs also. Japanese cars are often recommended to young drivers due to them being well built and relatively cheaper to insure.
- Do your Research
The internet is a great source for researching online for the cheapest insurance companies on the market. The majority of insurance companies feature “get a quick quote” on their website. Look up various companies and compare quotes to find the best price that is suitable for you and your budget.
- Choose your insurance cover
Comprehensive and third-party fire and theft would be the two most popular insurance cover options. Whichever plan you go for always go through the policy details with your broker to ensure you have everything you need on the policy. You can obtain comparable quotes on both these options from broker companies such as ourselves and quotedevil.ie/car-insurance.
- Get insured under your parent's policy
Get insured under your parent's policy it will lower your premium costs sufficiently.
- Additional Drivers
A driver could be added to your insurance policy who has more driving experience and is a full licence driver. Their presence on the cover policy may help reduce the premium and lower the risks.
- Named Driver
Having a named driver experience will help lower the cost of your insurance. It can be expensive to get insured for the first time however if you have some experience in driving under your parent’s policy this can be used as a form of no claims bonus. Named drivers insurance will show the company that you have good driving experience and will initially make your insurance cheaper in the long run.
- Licence
Obtaining your full driving licence as soon as possible is the best thing to do. Once you obtain this, your insurance cover costs will greatly reduce. The longer you are driving this will benefit you as you will be able to get a better no claims bonus.
- Excess
It is important to consider how much you can afford to pay on policy excess. The policy excess is the cost the insurer would have to pay if they made a claim on an insurance policy. E.G. you would pay the first €250 of repair costs if your car became damaged which is the excess and the insurance company would pay the rest. Many insurance brokers apply a compulsory excess to the policy but this would depend on your circumstances and the insurer.
- Have a clean driving licence
Your premiums can increase substantially if you have points on your licence and any driving convictions. Having a clean driving licence can make your insurance so much cheaper in the long term. Remember to drive carefully and always obey the rules of the road.
- Have your own policy
It may be a lot cheaper to be insured under your parent's policy and drive their car however when you get your own car and become a regular driver on the road you will need your own policy. The first year's insurance premium can be expensive but after the first year you will start earning a no claim bonus and you will immediately be given a discount on your annual premium the price would depend on the insurance company you are with. The quicker you have your own policy the sooner you will receive reductions.
- Install a security alarm and immobilizer into your vehicle
The security in your vehicle can go unnoticed and slip many people's minds even drivers with experience. Having an approved car alarm and immobiliser fitted into your motor will save you money off your policy in the long term. This way you will avoid your motor being stolen, damaged, or vandalised which will put your policy at risk.
- Avoid modifications
It may look impressive to add modifications to your vehicle, but they will cost you a lot of money in the long term. Changing the performance and look of your motor would increase the chances of it being stolen. Any modifications such as wheels, enhancing mods to the engine, roll cages and bars, sports seats, uprated brakes, altered suspensions, body kits, and spoilers are likely to raise your insurance costs.
Posted 12 Sep
When it comes to buying car insurance there are so many things you must consider the level of cover, the excess, and the cost to name a few. If you are paying a lot of money for your policy it makes a lot of sense to know what is in your insurance policy. Virtually everywhere in the world, you need some form of insurance cover when you drive. When you are shopping around for car insurance it is essential to understand and know the different types of insurance that are on the market today with the many different types of insurance companies. Here are some of the main types of car insurance cover options that are on the market today.
Comprehensive Cover
Comprehensive cover is generally the most expensive policy insurance option. This type of policy is the same level as third party fire and theft only you will also be covered in the event of damage or an accident caused by vandalism. If you damage your vehicle and you are at fault and you have comprehensive cover you will receive compensation. It may also help against accidents with animals, vandalism, and certain weather events.
Third Party
Third-party policy is considered as the basic cover by law in Ireland. It is a minimum level of insurance. This type of insurance cover will only give compensation to the parties that are involved. This could be for many reasons such as injuries they sustained or damage to their vehicle. There will be no compensation to you for injury to your person or damage to your car. Any loss or damage to your vehicle you will not be compensated in the event of theft or fire.
Third Party Fire and Theft
Third-party fire and theft are a popular type of cover for a lot of Irish motorists. It offers the same cover level as third-party only you are covered if your vehicle has sustained any damage in the event of a fire or may have been stolen. If you have an accident and it is your own fault you will not be covered for any injuries you sustain or damages to your vehicle.
Liability Cover
Liability insurance provides cover for any damages which you are responsible to people or their property while driving. If you are in an accident and are at fault and other people do require medical assistance or need vehicle repairs, then your liability insurance cover will pay for this. It is by law to have a minimum level of liability insurance.
Collision Insurance
If you are involved in an accident with another vehicle you may be covered for damages, replacement, and repairs to the car.
Personal Injury Protection Insurance
In the event, of a covered accident, personal injury protection insurance may cover loss of income and some certain medical expenses. It depends on the policy limits also. This type of policy may cover as much as 80% of medical and other expenses which stem from a covered accident.