How to Find Reasonable Deals on Car Insurance in the UAE?

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
In the UAE, driving a car on the roads of UAE without car insurance policy is considered to be unlawful. Motor insurance offers the policyholder liability, property, and medical coverage. The cost of car insurance differs considerably due to some factors such as age, kind of car, and the driver. Although you cannot avoid paying these costs for your car insurance you can save a few pennies by having a knowledge of how to find the best car insurance deals that suit your pocket as well. 

Ways to find a Reasonable Car Insurance Policy

The following are some ways to find the suitable and pocket-friendly car insurance in the uae.

Select a Car Insurance Policy that Suits You the Best

While selecting the best car insurance deals for yourself in the UAE, you should consider all the necessary factors and then go ahead with the one that suits your needs as well as your budget. The insurance companies in the UAE provide comprehensive as well as third-party car insurance policy. A third-party car insurance policy is the least car requirement for car insurance in the UAE. It is the one that gives coverage for the damage your car has caused to the other vehicle. It is comparatively cheaper because, in case of an accident, it protects the other vehicle and not the one you own. Hence, though it has a low price, you should decide if you wish to protect your own vehicle or not.

Look for Multiple Insurance Providers

There are various insurance companies in the UAE offering a wide range of car insurance policies in UAE at competitive rates. Go through these different insurance providers available, get the auto insurance prices and select the best car insurance deal. The insurance policy options that car dealerships offer can be overpriced. It is advisable to skim through the available options and select the best one.

Consider Purchasing an Economical Car

In case you are looking for budget-friendly auto insurance in the UAE, you must consider purchasing a low profile car. Spot cars, luxury cars, and SUVs require high premium, hence can prove to be costly especially when you are looking for comprehensive car insurance.

Calculate the Correct Estimate of the Value of Your Car

Being the car owner, you must be aware of the value of your car. In case you don't, then contact your car dealer to know the correct value of your car because if you have been over-estimating it, then you might end up paying more for coverage. Also, keep in mind that your car goes through a certain percentage of annual depreciation which depends upon the model of the car.

Keep your Eyes Open for Discounts

Most of the car owners remain unaware of the discounts and deals available on motor insurance. For Example, in case you were unable to make any claim in the previous years, you have an option to seek an NCB (No Claim Bonus). If you have an NCB for five years and above, you can gain a good discount on your premium account. You must also be aware of the other discounts available to you if do not drive very frequently or are trained under any defensive driving course.

Select the Add-ons Carefully

Insurance companies provide various add-ons such as coverage off-road, coverage on personal accidents, roadside assistance, rental car and more. Now, as attractive as they look, these add-ons do not come free of charge. Select only those add-ons which are actually mandatory for you while driving.

Choose the Higher Deductible

A deductible is the amount of money the insured or the policyholder has to pay for any claim. More the deductible means lower the amount of premium to be paid. You should select the range that you can easily afford.

Keep Up a Good Record of Driving

Usually, the insurance companies prior to quoting any price, check thoroughly your driving record. If you have maintained a good driving record, then you might enjoy paying a lower premium. An experience certificate for driving is issued by the RTA Dubai which depends upon your driving performance. You can submit this certificate to the insurance company so as to give proof of your credibility and gain budget-friendly motor insurance in the UAE.

Install Anti-Theft Devices in Your Car

Although the UAE might be very safe, still it is very important to make sure that your car is as far away from risks as possible. To ensure this, it is suggested to install anti-theft gadgets such as inbuilt alarm system inside your car so that you can keep your insurance costs low.

Apply for insurance for Multiple Drivers

In case you own more than one car and are looking for car insurance, then look for insurance for multiple drivers. Getting the insurance done in bulk might help in decreasing your insurance charges. 

Mileage Reduction

You might have to pay more to your insurance company if you have high mileage. This happens because the insurer thinks that with higher mileage, you have a higher risk of being involved in some accident and this might also impact the life span of your car.

For example, if you drive to and from Abu Dhabi to Dubai every day, you might have to pay high costs on your insurance. So, a reduction in your mileage could genuinely let you enjoy lower insurance premiums.

Over to You

The above-mentioned ways help you in finding the best car insurance deals in the UAE that are also pocket-friendly. You can select and buy the car insurance online or otherwise as per your convenience.

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