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Compare Car Insurance for Omagh 

Omagh is situated in the heart of Co. Tyrone and has a growing population of around 20,000 people. In 2022 it was voted the happiest place to live in NI and took the top spot for the overall best place to buy a house in the country.  

But, even the happiest people in Northern Ireland can be brought down by the cost of car insurance premiums! By shopping around and comparing quotes from different providers, you can find coverage that should cheer you back up again. That’s where we come in. CompareNI.com lets drivers in Omagh (and all over NI) compare quotes from dozens of providers side by side.  

Local factors specific to an Omagh postcode:  

How much does Omagh car insurance cost, on average? 

Unfortunately, this is a tricky one to answer as calculating the cost of your insurance isn’t always straightforward. Insurers will analyse various factors such as your driving history, age, and location within Omagh before offering your premium cost. 

How much does an Omagh postcode affect car insurance costs? 

Your postcode plays an important part in calculating your car insurance premium. Your postcode gives insurers lots of valuable information like local congestion, average road traffic rates and overnight parking locations. So it’s important to add your Omagh postcode to any search to make sure you’re getting quotes tailored to your specific area.  

Will my premium be cheaper if I live outside of Omagh rather than town centre? 

Most probably yes. Living in a smaller town or village typically leads to lower premiums. Generally, smaller towns have a lower population density, lower traffic congestion, fewer accidents and less crime. These are all good things for insurance companies. But remember that the exact price of your insurance still depends on you, so don’t just assume it’ll automatically be cheap. Check CompareNI.com for a personalised quote tailored to your specific area and driving profile.   

What other risk factors influence the cost of my Omagh car insurance? 

There is no doubt that your location plays a big part in your insurance calculation. However, there are lots of other risk factors that insurers will consider as well, including:  

  • Your age: If you’re a younger driver, unfortunately, you’re viewed as a higher risk by an insurer so your premium will likely be more expensive.  
  • Your driving experience: The more time you’ve spent behind the wheel, the lower your risk of being involved in an accident will typically be. So, you can expect to pay a lower premium. 
  • Your claims history: Any past accidents or claims on your Omagh car insurance means you’d expect to pay more for your premium.  
  • The type of car you drive: The higher the engine power and the more luxurious your car is the more expensive your premium will usually be. This is because insurers will think that it costs a lot more to fix them.  
  • The level of coverage you choose: Fully comprehensive policies provide the most coverage, obviously, but they are also the most expensive. Third-party-only cover can be cheaper in theory, but it only provides cover for damage to other people’s property and injuries. 
  • Your voluntary excess: The voluntary excess is the amount that you agree to pay towards any claim. Upping your excess amount will often reduce your premium. But remember to only set your excess at an amount you can realistically afford.  

Will my age affect the cost of this policy? 

Yes, absolutely. Age is one of the number one factors insurers look for when calculating your premium, and you will feel this the most if you’re a young driver. In NI, drivers aged between 18 and 24 could expect to pay up to £1400 on average for car insurance in 2024. If you are a young driver, you can find out CompareNI.com’s top tips to help young drivers cut insurance costs. 

Remember, insurers often provide discounts for various factors, such as safe driving records or installing safety features in your vehicle. Regularly checking for available discounts ensures you capitalise on opportunities to further reduce your insurance costs. 

Will my gender affect the cost of this policy? 

This is not as clear-cut as other factors. Insurers can’t automatically discount your premium based on your gender. However, in practice, men typically still continue to pay more for their car insurance than women. This is because statistically, they’re more likely to have other factors that bump up premiums. These can be things like driving convictions, penalty points, a tendency to drive more luxurious cars, and occupations that insurers judge as riskier. When considering motor offences, men also make up the overwhelming majority. Between 2022 and 2023, men made up 80% of all motoring offences in Northern Ireland.  

Are there things I can do to find cheaper car insurance in Omagh? 

If your renewal quote is making your eyes water – don’t panic! Here are some steps you can take to increase your chances of finding a cheaper policy:  

  • Don’t be afraid to shop around and compare quotes – This is considered the easiest way to find cheaper insurance. Checking quotes with multiple insurers will boost your chances of finding a cheaper premium as you have more options overall.  
  • Experiment with different coverage options – Things like windscreen repair and breakdown coverage are obviously nice to have. But if you’re struggling with affordability, it might be worth considering if you actually need them.  
  • Look at different excess levels – Bumping up your voluntary excess can significantly lower your monthly premium as the insurer will essentially need to pay out less in the event of a claim. Just make sure that you can afford the amount you choose. 
  • Maintain a good driving record – Avoid penalty points. Just getting three can increase your premiums by as much as 25%. 
  • Consider installing a car alarm or engine immobiliser – this will help to lower the risk of theft or damage – giving your car a lower risk profile.   

Will using an Omagh car insurance broker help reduce my premium? 

It won’t do any harm to find out what a local broker in Omagh could offer you. But you’d also be wise to use a comparison site like CompareNI.com too. This is because it will give you a greater choice of quotes to choose from all in one place. Plus, there are lots of insurance companies that only serve drivers in Northern Ireland so it’s worth checking what they have to offer whilst also comparing them against UK-wide insurance providers.  

Will black box insurance reduce my car insurance premium? 

Typically, yes it will. Installing a black box (also known as a telematics policy) 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 a great option for young or convicted drivers who are struggling with high insurance premiums.