The latest survey commissioned by the Automobile Association of Ireland compares prices of comprehensive motor insurance for people in various age categories.
It directly compares the quotes offered by seven of the leading insurance providers in the Irish market and shows the differing benefits offered.
AA commissioned Covanberg Consultants to obtain quotes for comprehensive cover through a "mystery shopping" exercise. As a motor insurance provider, AA was included in this survey.
In all cases, the risk profile was the same: a Dublin-based motorist with a sedentary occupation, full clear licence and maximum no claims discount.
The vehicle was identical in all cases: a 1999 Fiat Punto, 1242cc valued at £7,900.
Rates are based on insured-only driving for ages 28-45 and insured and spouse for the 50 plus category.
As shown in the accompanying chart, female drivers are offered the most competitive rates in all categories.
Despite the high cost of car insurance, consumers can still benefit from shopping around to find the best deal.
The March issue of Consumer Choice, magazine of the Consumers' Association of Ireland (CAI), included a survey similar to the AA/Covenberg exercise.
In general, the publication found that "insurers quote widely different premiums for similar risks, and there are considerable differences in the benefits they offer".
The cheapest quotation is not always the best, and there are difference in the benefits and extras on offer from the various insurers.
Additional benefits may include recovery service, contents cover, driver personal accident cover, windscreen cover, windscreen security etching, no claims discount protection, premium discounts.
Some insurers may provide foreign travel cover, a temporary additional driver option or cover when you drive other cars. There may be an extra fee for these benefits so it's best to check the small print.
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