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Motor insurance advice

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  • 09-07-2020 12:52pm
    #1
    ooter
    Registered Users Posts: 2,983 ✭✭✭


    apologies if this has been asked many times before, just looking for a bit of advice if possible.
    i've no experience of motor insurance and have never owned a car before but am considering buying a second hand car, something that will be cheap to run and tax and insure. To be honest i don't need a car but it would be handy to have one for travelling to work on days when the weather is bad and i've a bit more disposable income these days so it would be a nice luxury to have that i've never previously been able to afford.
    i'm in my late 40's and have a full licence almost 12 months now.
    would anyone have a ballpark figure of what i should expect to pay for insurance or have any tips that would help to bring the cost down as much as possible?
    i could probably justify paying up to 1500 euro for the first year but any higher than that and i think i'd have to give it a miss, is that a realistic figure for starting out at my age, are there any insurance companies that treat older first time drivers more favourably?
    would really appreciate any feedback.


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    #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,620 Mod ✭✭✭✭Henry Ford III


    Insurers like newer cars with smaller engines.

    No ballpark premiums. Impossible to guess. Ring around, or ring a good broker.


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    #3
    Pkiernan
    Registered Users Posts: 4,315 ✭✭✭Pkiernan


    It'll sound strange, but start with Quote Devil.

    They're not just for boy racers and ex drunk drivers.

    I really like them


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    #4
    ooter
    Registered Users Posts: 2,983 ✭✭✭ooter


    tried quote devil online and they never got back to me. a friend recommended 123.ie but i can't get past the first step, every time i click i am a new driver it diverts me to insurance for under 25's.
    i've seen a few cars i like but without having some idea of what the insurance might cost i can't commit or show my interest.
    are there any good online quote sites out there that are easy to navigate or is it better to ring?


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    #5
    punisher5112
    Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    ooter wrote: »
    tried quote devil online and they never got back to me. a friend recommended 123.ie but i can't get past the first step, every time i click i am a new driver it diverts me to insurance for under 25's.
    i've seen a few cars i like but without having some idea of what the insurance might cost i can't commit or show my interest.
    are there any good online quote sites out there that are easy to navigate or is it better to ring?

    Go onto done deal, pick a few cars say a Yaris or Aygo take a reg or 2 down and use these to get a quote.
    This will give you an idea then, no other way.


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    #6
    Pkiernan
    Registered Users Posts: 4,315 ✭✭✭Pkiernan


    ooter wrote: »
    tried quote devil online and they never got back to me. a friend recommended 123.ie but i can't get past the first step, every time i click i am a new driver it diverts me to insurance for under 25's.
    i've seen a few cars i like but without having some idea of what the insurance might cost i can't commit or show my interest.
    are there any good online quote sites out there that are easy to navigate or is it better to ring?

    Phone them up.


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    #7
    finbarrk
    Registered Users Posts: 5,411 ✭✭✭finbarrk


    punisher5112 wrote: »
    Go onto done deal, pick a few cars say a Yaris or Aygo take a reg or 2 down and use these to get a quote.
    This will give you an idea then, no other way.

    Exactly. This is the way to do it.


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    #8
    zg3409
    Registered Users Posts: 6,565 ✭✭✭zg3409


    1.0l engine, less than 10 years old. Ring a broker for a start. Get a firm insurance quote based on a car registration before you buy a car. Note depreciation on any car will be 1000 per year, and fuel, maintenance e.g. tyres 200 euro, nct, tax.

    You could easily be looking 2,000 annual cost plus insurance. Often much higher.


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