# Car Insurance Quote Comparison Calculator — Ireland

> Compare an actual car-insurance quote and a clearly scoped own-damage deductible scenario. EUR planning view; stated limitations apply.

Page: https://askcalculators.com/ie/car-insurance/
Definition: https://askcalculators.com/ie/car-insurance/definition.json
JSON Schema: https://askcalculators.com/ie/car-insurance/schema.json
Version: 20.16.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/ie/car-insurance/?annualPremium=0&annualFees=0&monthlyFee=0&spreadPercent=15&deductible=500&eligibleDamage=3000&benefitLimit=20000

## Inputs
- annualPremium: Actual quoted annual premium; type=money; required; default=0; min=0; max=1000000000000
- annualFees: Annual policy/administration fees; type=money; required; default=0; min=0; max=1000000000000
- monthlyFee: Additional installment fee per month; type=money; required; default=0; min=0; max=1000000000000
- spreadPercent: Quote sensitivity range; type=percent; required; default=15; min=0; max=100
- deductible: Entered collision/comprehensive deductible; type=money; required; default=500; min=0; max=1000000000000
- eligibleDamage: Hypothetical covered own-car damage; type=money; required; default=3000; min=0; max=1000000000000
- benefitLimit: Applicable own-damage benefit limit; type=money; required; default=20000; min=0; max=1000000000000

## Outputs
- annualPremium: Entered annual premium; format=currency; primary
- annualCost: Annual premium and payment fees; format=currency
- monthlyEquivalent: Monthly equivalent cost; format=currency
- low: Low quote scenario; format=currency
- high: High quote scenario; format=currency
- damageBenefit: Modeled own-damage payment; format=currency
- claimOutOfPocket: Damage retained by policyholder; format=currency

## Formula
own-damage payment = minimum(policy limit, maximum(0, eligible damage − deductible)).

Inputs are converted to canonical units before evaluating this stated formula.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.