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Compare Antrim Car Insurance 

Antrim is a mere 20 miles from Belfast and has grown in popularity as a commuter town. It has a population of around 23,000 people and offers a rich mix of history and natural beauty. Yet, if you call Antrim home, you may have some questions about how your car insurance is impacted by your location. As your local experts in car insurance comparison, CompareNI.com is committed to providing tailored solutions for residents across the town of Antrim. We understand that having the right car insurance is paramount. So, we bring ease to your search, allowing you to compare quotes from over 100 trusted UK insurers to find you the policy you need at the right price. 

Frequently asked questions about car insurance in Antrim 

Local factors specific to an Antrim postcode:  

How much does car insurance cost in Antrim? 

Car insurance premiums are calculated considering various factors such as your driving history, age, and location within the town. So, there is no one answer to how much car insurance costs in Antrim. However, your Antrim postcode is a significant factor in your premium costs, and you may see variations in insurance costs depending on the area. Areas like Parkhall and Ballycraigy may have different considerations than areas like Randalstown which is further from Antrim town. CompareNI.com offers a user-friendly platform where you can input your details and receive quotes from over 100 insurance providers specific to your unique circumstances.  

Is it cheaper to insure a car in Antrim than in Belfast? 

Generally, car insurance in Antrim may offer more competitive rates compared to Belfast. Factors such as lower population density contribute to this as Antrim has a modest population of around 23,000 people in comparison to Belfast’s 300,000. Reduced traffic congestion and potentially lower crime rates also contribute to this difference. In contrast to larger cities like Belfast, Antrim also benefits from reduced congestion. The town itself utilises a one-way system, so the traffic moves smoothly and there are also ample parking opportunities. This all has the potential to produce more favourable premiums.  

Will Antrim car insurance cost more than an English town of the same size? 

Car Insurance in Northern Ireland has historically come with a higher price tag compared to rates in England. A 2019 study conducted by the Consumer Council in Northern Ireland revealed a 7% increase in car insurance costs, while the UK average had experienced a 6% decline during the same period. This disparity resulted in an average annual car insurance cost for Northern Ireland that was £157 higher than the UK average. However, it is worth bearing in mind there are also regional nuances with some specific areas of England like London, the North West, and the Midlands which all have similarly high costs to Northern Ireland. In addition, with more UK providers entering the NI market, prices are becoming more competitive, though a complete match may take some time.  

Does Antrim car insurance include coverage for driving in the Republic of Ireland? 

Your UK car insurance is likely to automatically provide third-party cover for driving in the Republic of Ireland. However, it’s crucial to double-check your specific policy wording as having a fully comprehensive policy in the UK doesn’t necessarily extend the same level of coverage to Ireland. Always check with your chosen provider regarding cross-border coverage before travelling. Remember, peace of mind is worth the extra minute of verification. Having a breakdown cover may also be a wise consideration for quick assistance in case of vehicle issues while driving in Ireland.  

Can CompareNI.com get me a better quote than an Antrim car insurance broker?  

Of course, you could explore what a local car insurance broker can offer you for your coverage. However, sites like CompareNI.com typically offer you a greater variety of quotes to choose from with the convenience of them all being in one place. This ultimately makes a usually drawn-out process easier, so you can find cheaper car insurance. It’s worth getting quotes from local insurance providers when you’re ready to take out a car insurance policy.  But it would also be a wise move to compare their quotes with the prices offered by UK-wide insurance providers. At CompareNI.com, you get access to both.  

Factors beyond postcode influencing insurance costs: 

Can I get cheaper insurance if I park on a driveway or garage in Antrim? 

Where you park your car overnight can significantly impact your premium. Parking your vehicle securely in a garage or driveway often leads to cheaper insurance premiums. This is because insurers see it as a way to deter theft and vandalism, so reduces the risk of a claim. Always give detailed information when you’re completing your quote.  

How can I find the cheapest car insurance quotes in Antrim? 

It’s important to explore a variety of options that could help reduce your premium. Consider shopping around and comparing quotes on CompareNI.com which will allow you to see the range of options different providers offer. You can also consider adjusting your coverage level, increasing your voluntary excess, restricting your mileage, and enhancing your vehicle’s security. These all have the potential to obtain more favourable premiums. 

Below are six steps you can take to reduce your premiums:  

  • Shopping around and comparing quotes – By comparing multiple quotes you can increase your chances of finding cheaper car insurance. 
  • Choosing the right coverage level – Extra coverage like windscreen repair and breakdown cover can be nice, but it isn’t always necessary. You should consider if you really need certain levels of coverage. 
  • Increase your excess – By choosing to increase your voluntary excess amount you can effectively reduce your premiums as the insurer will need to pay out less in the event of a claim. Just be sure that the amount you choose to pay for excess is one you can afford. 
  • Maintain a good driving record – Avoiding penalty points is essential. Getting just three points can increase your premiums by as much as 25%. 
  • Consider installing a car alarm or engine immobiliser – These measures enhance the safety of your vehicle. They can lower the risk of theft or damage which can lead to reduced premiums.  
  • Check for discounts – Lots of insurers will offer deals and discounts for usage-based policies like pay-as-you-go insurance, or telematics and black box policies.  

Although cost can be a pressing issue, it is important to find a policy that meets your specific needs and provides the correct coverage for your circumstances. This way you can avoid being underinsured and potentially paying out of pocket when things go wrong.