Things to Consider
Choose the Right Car
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Petrol: Stick to 1.0L to 1.2L engines
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Electric/Hybrid: Choose base models, as insurers rate them by kilowatt (kW) output
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Avoid: Any models branded as “Sport,” “Turbo,” or “TDI”
The Ideal Age Range:
Aim for vehicles manufactured in the last 10 years
What to Avoid:
Skip Japanese imports, even though they are highly common right now. Most Irish underwriters will outright refuse to quote young drivers on these imports
Adding an Experienced Named Driver
Adding an experienced named driver to your policy, like a parent or relative who has a spotless driving history may help reduce the premium
Get a Quote Before the Deposit
The insurance cost may be more than the value of the car, so get the quote before you commit
Opt for an Annual Payment
If your budget allows, cover your entire insurance premium upfront. Paying annually helps you avoid the steep interest rates and costly installment fees that accompany monthly financing plans.
Named Driving Experience Discount
If you’ve been a named driver on someone else’s policy for at least a year with zero claims, you qualify for a discount
No Black Box
No restrictive black box required