9 Tips For Cheaper Car Insurance in Dubai

Avatar

Getting a new car is always exciting, until it comes to buying car insurance. The prices of car insurance vary vastly and this is due to a number of factors including age, the type of car and who will be driving it. However, while paying for car insurance is unavoidable, you can lower the cost significantly through a variety of techniques outlined below. 

1. Consider which type of car you will buy

As you will quickly learn, different cars have different insurance costs. For example, the amount you will pay to insure a 2016 Range Rover will be substantially be more than insuring a Mitsubishi Pajero. 

Typically, a fast, sporty or luxury car will always cost more than a family car. So, always be sure to consider how the car you choose will affect your insurance costs. 

2. Shop around for car insurance

Whether your friends, the showroom you have bought your car from or your employer may have their own car insurance recommendations, it is important to explore all of the options on the market. 

For instance, the website carinsurance.ae offers a simple and convenient way to get and compare insurance quotes from all of the car insurance companies in the UAE. This will benefit you hugely and will help you to avoid incurring higher costs unnecessarily.

Let’s face it, you don’t want to have a browse online after signing up for car insurance only to find it several hundred Dirhams cheaper elsewhere! 

3. Make sure that you have anti-theft gadgets

While the UAE may be extremely safe, it is still important to ensure that your car is as risk-free as possible. Therefore, inbuilt alarm systems in your car and other anti-theft devices could help to lower your insurance costs.

Bigstock Insurance Word In D Red Lette 99052562

4. Reduce your mileage

Insurance companies might charge more if you cover a higher mileage. This is because they believe that you are at a higher risk of getting involved in an accident and are also more likely to reduce your car’s lifespan. 

So, if you’re driving to and from Dubai to Abu Dhabi everyday, your insurance could be higher. Reducing your mileage could actually lead you being offered lower insurance premiums.

5. Increase your excess

What is excess, you ask? It is the amount of money you will have to incur during an accident, theft or any other car-related incidents. Choosing to increase the amount of excess you pay when you have an accident will lead to being offered lower premiums to pay. However, you should discuss this with the car insurers to understand just how much it will affect your costs.

6. Have a good record, in general

A car insurance company is going to charge far more to someone who has had eight accidents in the past year (whether it was your fault or not) than someone who has had one accident. Aim to ensure that your no claims record is as incident-free as possible with minimal points on your license, whether this means becoming a safer driver yourself, or a less risky driver, to avoid paying a higher cost for your car insurance.

Bigstock Obligatory Insurance 3952002

7. Ask about discounts offered

Some insurance companies offer discounts, but remember if you don’t ask, you don’t get! These discounts may differ depending on the profession, area of residence or other factors, so be sure to ask to see whether you qualify for any discounts.

8. Request for multiple drivers

If you own a bunch of cars and are on the hunt for car insurance, inform the insurers  because insuring in bulk is likely to decrease your costs vastly. Again, explore this option on carinsurance.ae and speak to various insurers to see if they offer the option to insure multiple cars.

9. Last but not least, consider third party insurance

Third party insurance is the minimum car insurance requirement in the UAE. Third party insurance is cheaper because in the event of an accident it only protects the other vehicle i.e. not your own. So while it costs less, it’s worth weighing up whether you want your own vehicle to be protected with insurance. 

Bigstock Car Isurance 5378117

Shopping

See more

More like this