Compare Newtownards Car Insurance

Compare Cheap Car Insurance Newtownards 

Newtownards is the gateway to the Ards Peninsula and is situated just at the tip of Strangford Lough, just 10 miles east of Belfast. It is a vibrant and distinctive market town with a population of just under 30,000.  

As your local experts in car insurance comparison, CompareNI.com understands the unique needs of Newtownards drivers. So, whether you call Westwinds or Movilla home, CompareNI.com offers an impartial car insurance comparison platform. We bring ease to your search, providing you with unbiased comparisons from over 110 reputable insurers to help you find the policy you need at the right price.  

Frequently asked questions about Newtownards Car Insurance  

Local factors specific to a Newtownards postcode:  

How much does car insurance in Newtownards cost, on average? 

Unfortunately, the average cost of car insurance in Newtownards isn’t a straightforward calculation. Instead, it involves considering various factors such as your driving history, age, and location within the town. Typically, car insurance in Newtownards tends to have a lower price tag than in Belfast. But it can still have higher premiums than more rural areas. CompareNI.com offers a user-friendly platform where you can enter your specific details and receive quotes from over 100 insurance providers specific to your unique circumstances.  

Do I need to use a Northern Irish insurance provider for Newtownards car insurance? 

While most UK insurance providers offer coverage in Newtownards, using a local Northern Irish insurance provider can have its advantages. Local providers often have a better understanding of the needs unique to the area and therefore can offer a more tailored policy. CompareNI.com provides a comprehensive overview of available options, ensuring you find the most suitable policy, whether from a local provider or a wider UK-based insurer that covers cars in Northern Ireland.  

Will the crime rate in Newtownards affect the cost of my car insurance? 

The crime rate in your part of Newtownards can indeed impact the cost of your car insurance. Unfortunately, Newtownards has witnessed a steady increase in crime rates over the years, with 2022 marking an 11% surge compared to the overall rate in Down. There is also growing concern about hotspots of dereliction in Newtownards prompting local authorities and the police to collaborate to address this issue. However, whilst insurers consider the crime rate factor, it’s crucial to recognise that your driving history, security measures for your vehicle, and your specific car details also play a pivotal role in determining premiums. Therefore, taking proactive steps within your control is advisable to minimise your insurance premium if you live in a crime-prone area.  

If I live on the outskirts of Newtownards will my car insurance be cheaper than if I lived in the centre of town? 

Living on the outskirts may indeed result in lower premiums due to lower traffic density and burglary rates in these areas. Newtownards town centre, similar to many town centres, contends with traffic congestion, especially during peak hours. Notably, the one-way gyratory system along Regent Street, Frances Street, and High Street gives priority to vehicle movement over pedestrians. However, congestion is still prone to build. In addition to traffic density, there are also other factors like distance to essential services or proximity to high-risk roads that can also play a role in the cost of your premium. CompareNI.com factors in your exact location to give you the most accurate quote, urban or rural. 

If I’m a convicted driver in Newtownards is it true some insurance providers won’t insure me? 

If you’ve faced legal challenges and have a criminal record, securing car insurance may pose difficulties and typically come at a higher cost. However, finding insurance is not impossible. Explore car insurance options with us, and we’ll assist you in discovering affordable convicted driver coverage tailored to your unique situation. 

Whether dealing with a drunk driving conviction, disqualification, or penalty points, the challenges can vary. It is true that insurers can refuse you coverage or impose higher premiums. However, it’s still crucial to disclose any unspent convictions to avoid policy invalidation. You could look into options like telematics or black box insurance policies which are designed for drivers who have problematic or non-existent driving histories. Adjusting voluntary excess, limiting mileage, and enhancing vehicle security may also help in obtaining more favourable premiums. 

Factors beyond postcode influencing insurance costs: 

Beyond your postcode, various factors play into your insurance costs. CompareNI.com delves into these considerations, offering insights into how factors like your occupation, parking arrangements, and other risk factors contribute to the overall expense of your car insurance policy. 

If my house in Newtownards includes a driveway or garage will that get me cheaper insurance quotes? 

Where you park your car overnight is a factor that can significantly impact your premium. Parking your vehicle securely in a garage or driveway often means insurers will view your car as being less at risk of theft and vandalism, therefore reducing the risk of a claim. So always give as much information as possible when you’re completing your quote form.  

Does my occupation impact my car insurance?  

The occupation you are currently in can significantly impact your car insurance rates. Insurers analyse occupation-related risk factors, influencing premium calculations. Jobs requiring extensive driving or considered high-risk may lead to higher premiums, while lower-risk professions can result in lower rates.  

Can CompareNI.com find me cheaper quotes than a Newtownards car insurance broker? 

By all means you should explore what a local car insurance broker can offer you. However, comparison sites like CompareNI.com will usually offer you a greater variety of quotes to choose from. This along with the convenience of them all being in one place makes it easier than ever to find cheaper insurance. CompareNI.com lets you compare local NI-based insurers alongside prices offered by UK-wide insurance providers, so you can be sure you are not paying over the odds. 

How can I reduce my Newtownards car insurance premium? 

Below are some effective steps you can take to reduce your car insurance premiums:  

• Shopping around and comparing quotes – Finding cheaper car insurance will take minutes with CompareNI.com. Comparing quotes goes a long way to increase your chances of finding cheaper car insurance. 
• Choosing the right coverage – Whilst it can be nice knowing you have addons and extra coverage like windscreen repair and breakdown cover, it isn’t always necessary. Consider if you really need add-ons before including them in your coverage. 
• Increase your excess – This reduces your premiums as the insurer will essentially need to pay out less in the event of a claim. However, always choose excesses you can afford to pay should the worst happen. 
• Maintain a good driving record – Just three points can increase your premiums by as much as 25%. 
• Consider installing a car alarm or engine immobiliser – These measures could lower the risk of theft or damage which can lead to reduced premiums.  

Keep in mind that price isn’t everything. What can at first seem like a cost-effective policy could lack the necessary protection potentially resulting in significant costs in the event of a claim. This is why it is so important to find a policy that meets your specific needs and provides the correct coverage for your circumstances.