The happiness of buying a new car is beyond amazing. What’s more exciting?
Buying the best and cheapest four-vehicle insurance policy for your vehicle is probably the best thing you can do.
That being said, many people make the mistake of buying an insurance plan that seems to be beneficial but it is actually not worth purchasing.
If you compare insurance online, you will be able to come across the plan that fulfilsyour insurance expectations.
The premium of automobile insurance varies due to a range of factors including the age of the customer and the type of car. Considering all the factors, we’ve noted down 8 useful tips for buying the best and cheapest car insurance policy in the UAE.
Compare Car Insurance Plans To Get The Best One
There are various carinsurers available in the market. Every car insurance plan may seem like the best one. So, making the right decision can be difficult. The best thing to opt for the cheapest one is to compare car insurancequotes from various automobile insurers in the UAE. Know their pros and cons and make a list of car insurance plans that meet your insurance expectations. Consider the plan that offers maximum insurance benefits at minimum insurance premium.
Choose Your Car Smartly
The first thing to do before buying any car insurance plan is to know about the various car insurance plans. The car insurance cost varies depending on the type of car you’ve purchased. Insurance companies look at the specifications of your car, from model, type, year to safety features. All of these features can affect the insurance premium. For instance, the insurance for a luxuriouscar like Range Rover will be costlier than insuringthe basic model of Toyota. So, always remember the cost of car insurance depends on the type of car you have.
Enhance the Safety of Your Car
While the UAE roads are extremely safe, it is your responsibility to ensure that your car is as safe as possible. In order to enhance the security of your car, install anti-theft devices such as inbuilt alarm system, gear locks, tyre locks, GPS tracking etc. It will decrease the risk exposure of your car. As a result, it will attract a lower premium for your car insurance.
Try To Reduce Your Distance
Insurance companies might charge you a higher insurance premium you cover a long distance on your car. It is because allinsurance providers believe that the more you drive, the higher are the chances of your vehicle getting involved in a road accident. Additionally, it is likely to reduce the life of your car.
Keep in mind that if you driving from Dubai to Abu Dhabi on a daily basis, then the mileage of your vehicle will increase. As a result, the cost of car insurance will also increase.
Consider Third-Party Insurance
Since it is mandatory for every car owner to have a car insurance coverage in the UAE, having third-party insurance fulfilstheir legal liability. Third-party insurance is cheaper since it covers policyholder’s legal liability in case of death/bodily injury of third-party or damage/ loss to the third-party property. Having said that, it doesn’t provide insurance coverage for the insured vehicle.
Maintain A Good Driving Record To Get The Better Claim
Safe driving not only reduces the possibility of the driver being involved in an accident but also it helps them to maintain a good driving record. Maintaining a good driving record has its own perks. It helps the car owner to buy a carinsurance policy at a lowcost.
Isn’t it a win-win deal? Of course, it is!
So, make sure you drive safely to secure your life as well as save your hard-earned money.
Grab Special Discounts
Few car insurers provide good discounts on car insurance policy but remember if you don’t ask, you won’t get. So, make sure to ask for a discount before buying car insurance. However, the discount may vary depending on the various factors such as the area of a residence, profession etc.
Enhance Your Voluntary Excess
To all those people who have no idea about excess, it is the amount of money you will have to pay from your own pocket in case of accident, theft, or any other car-related mishap. Opting for a high voluntary excess will eventually bring down the premium cost.
Now you know the simple and best ways to buy the cheap car insurance in the UAE. Don’t forget to compare car insurance plans first and then zero down on a plan that fulfils your car insurance expectations. It will help you to make the right insurance decision for your car.
