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Compare Maghera Car Insurance 

Maghera is a small town at the foot of the Glenshane pass, it’s conveniently located just a 45-minute drive from Derry and 50 minutes from Belfast. If you’re one of the 4,200 people who live there you may be wondering if your car insurance policy will be cheaper given it’s such a small town. 

Shopping around to compare quotes from lots of different providers will be a great help if you are looking for cheaper Maghera car insurance. That’s where we can help. CompareNI.com enables drivers in Maghera and throughout Northern Ireland to compare quotes from dozens of providers side by side.  

Local factors specific to a Maghera postcode:  

How much does Maghera car insurance cost, on average? 

This is a common but difficult-to-answer question. Giving an average cost of your car insurance isn’t a straightforward calculation. It instead involves considering various factors such as your driving history, age, and location within Maghera.  

Will my car insurance policy be cheaper in a small town like Maghera? 

Living in smaller towns or villages typically tends to lead to lower premiums. This is because the lower population density generally means lower traffic congestion, reduced accident risks and a lower crime rate. Therefore, it’s important to make sure you’re checking quotes tailored to your specific postcode to get an accurate reflection of premiums in your area.  

What other factors will influence the cost of my Maghera car insurance? 

Your location does play a big part in the insurance premium calculation, no doubt about that. But there are several other risk factors that insurers will factor in as well, including: 

  • Your age: Younger drivers are typically seen as higher-risk, and can expect to pay more for their car insurance than older drivers. 
  • Your driving experience: You can typically expect to pay a lower premium if you have more driving experience. This is because insurers see you as less at risk of being involved in accidents.  
  • Your claims history: If you’ve claimed on your Maghera car insurance in the past, you can expect to pay more for your car insurance. 
  • The type of car you drive: More expensive and powerful cars tend to cost more to insure. 
  • The level of cover you choose: Fully comprehensive policies provide more cover but can also be more expensive. Third-party-only cover can be cheaper but only provides cover for damage to other people’s property and injuries. 
  • Your voluntary excess: Agree to pay more towards any claim can reduce your premiums. 

How can I reduce the cost of Maghera car insurance? 

If your renewal quote is making your eyes water, don’t panic just yet. There are steps you can take to increase your odds of finding a cheaper policy. Here are six, for starters: 

  • Shopping around and comparing quotes – This is one of the easiest ways to increase your chances of finding cheaper car insurance quotes. 
  • Choosing the right coverage level – While add-ons are nice to have, you should consider if you definitely need certain levels of coverage. 
  • Increase your excess – By picking higher excess amounts you could reduce your premiums. This leaves less for insurers to pay when you make a claim. Just make sure you can afford the excess you choose.  
  • Maintain a good driving record – Avoid penalty points and driving convictions that will increase your risk profile.  
  • Consider installing a car alarm or engine immobiliser – These lower the chance of theft or damage to your car, which will help to reduce your premium.   
  • Check for discounts – Lots of insurers will offer deals and discounts so shop around for deals before committing to a policy. 

Should I get third-party-only coverage to save on my car insurance? 

You’d naturally assume third-party-only cover would be the cheapest. But unfortunately, that isn’t always the case as sometimes drivers can end up paying more for less coverage.  

The reason is that traditionally high-risk drivers (like young drivers or those with driving convictions) would choose a third-party cover only to try and bring their policy price down. However, insurers have become wise to this approach and now often associate these policies with higher risk profile drivers and can often be more expensive.   

If you’re considering just opting for third-party cover only, make sure you compare quotes for fully comp as well. You might end up with a cheaper policy with much better coverage.  

Should I consider a telematics policy to reduce my car insurance premium? 

Installing a telematics policy (also known as a black box) will often reduce the cost of your premium. Black boxes monitor your driving habits such as speed, braking, and acceleration, and can reward safe driving habits with discounts. These are also popular with demographics who have traditionally high insurance premiums like young drivers or convicted drivers.

Will using a Maghera car insurance broker get me a better quote? 

Local car insurance brokers can certainly offer you coverage for Maghera car insurance. But if you are looking for cheaper insurance prices, you will usually have a wider variety of quotes to choose from when using comparison sites like CompareNI.com. These have the benefit of comparing local NI insurers alongside UK-wide insurance providers so you can make an informed choice on your car insurance in minutes. 

Will a no-claims bonus will help with the cost of my car insurance in Maghera? 

Typically, yes it will. A no-claims bonus (NCB) is a discount that insurers will apply to your policy based on the number of consecutive years you have gone without making any claims. The longer you drive without claiming the bigger your discount could be. That is because a long no-claims rate indicates that you are less likely to be involved in accidents or incidents that result in making a claim. Therefore, you are less of a risk to insurers. Each insurance provider decides how their NCB scheme works so it’s worth getting in touch with your specific provider to find out more detail.