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The cheapest car insurance in Dubai: guidelines for buyers

Written by Umair

Buyers are always on the lookout for the cheapest car insurance in Dubai.

In order to provide UAE residents with a comprehensive choice, there are several companies that claim to offer attractive and feasible policy options.

Sadly, the claims are not always true.

Therefore, we thought to research the cheapest car insurance in Dubai that meets all your requirements in the most affordable manner.

What is the cheapest car insurance?

Dubai insurance, Union Insurance, and Adamjee provide some of the cheapest car insurance in Dubai.All of these offer low-cost policy options that provide motor insurance coverage for physical damages in situations like theft, vandalism, self-ignition, accidental collision, external explosion, damage or loss during transport through road or overturning.

While providing super cheap insurance, these policies also offer hassle-free commutes with a replacement car at a discounted rate, airport pick-up drop services, swift repair service from their network of agencies and garages, roadside recovery and concierge services.

Some of the cheap and cheapest options are also available through Noor Takaful, National General Insurance, i-insured and Insurance House.

How can you lower your car insurance? 

Some tips can be used which can help you save more on your car insurance.

All of these factors play their due role in making auto insurance cheaper.

Choosing your car wisely, reducing your kilometers, utilizing no-claims discount, insuring with multiple cars to take advantage of bulk discounts, getting your car in shape, comparing between your options and increasing your excess amount are some of the tips you can use that can help lower your car insurance.

These tips are smart ways that can help make your coverage one of the cheapest car insurance in Dubai.

How can I lower my car insurance rates?

Vehicle insurance quotes can be lowered in a variety of ways.

You can use some or all of the following techniques to lower your policy rates.

  • Maximizing your auto insurance discounts
  • Driving safely
  • Dropping collision and comprehensive coverages
  • Comparing auto insurance quotes online
  • Paying car insurance policy upfront
  • Bundling with home insurance
  • Buying a safe car
  • Keeping an eye on your credit report

Who has the best and cheapest auto insurance? 

As mentioned earlier above, Adamjee, Dubai Insurance, and Union insurance are some of the best and cheapest auto insurance providers.

Additionally, i-Insured, Insurance House, National General Insurance and Noor Takaful are also super cheap when it comes to cost considerations.

Where and how can I get cheap car insurance quotes?

Cheapest car insurance in Dubai can be found in a variety of interesting ways on insurance comparison websites.

All of these techniques can be used to get cheaper motor insurance quotes.

  1. Experimenting with job title: Higher positions mean you pay high insurance quotes. Try to change your job title to get a cheaper quote. But keep in mind not to mislead the insurance provider as it could land you in legal trouble.
  2. Getting cashback: Once you have completed comparing sites and found an affordable deal, check if you can get an even better deal through a cashback site.
  3. Buying on time: Most insurers exploit drivers and try to take advantage of their panic situation when their policy is about to expire. Buy your policy ahead of time to get a competitive quote.
  4. Adding a more experienced driver: You can get permission from an experienced driver who has a no-claims history along with a clean driving license. This can easily help lower your coverage cost
  5. Using a car garage: Insurance quotes can dramatically decline as insurers prefer cars being kept in garages overnight.

How can I get cheaper car insurance renewal?

You can reduce your car insurance renewal fees in a number of ways and save up to 30%.

Shopping around

Try to get quotes from a number of companies and use the information to bargain with other insurance providers to find the best deal.

Avoiding unnecessary extras

Usually, insurance policies come with a number of extras that many of the buyers will never use. Eliminating them from your coverage can make a noticeable difference in your total premium payment.

Keeping a low-value car

Lower your car value, lower the premium. This can get you a good discount on the annual premium.

Buyers have received significant discounts in this way.

Raising the deductibles

Raising the excess amount you are liable to pay in the event of accidental damage can reduce your annual premium to a great extent.

It basically an amount insurance company will deduct from you before releasing the payment.

Keeping a clean record

A clean driving record can get you a cheaper premium when you renew your policy and there is a possibility of you being given a no-claims discount too.

Multiple vehicles discount

Having multiple vehicles insured with a single provider can give you a huge discount on all the premiums.

At what age does car insurance get cheaper?

Cheapest car insurance in Dubai becomes possible with age.

Assuming you are a decent driver, every time you renew your policy you can expect the car insurance to decrease even before you are 25 years old.

This decrease might even be greater once you hit 25 – as this is when insurers witness a drop in the number of claims submitted per age group.

However, it needs to be kept in mind that drop is largely dependent on a clean driving record.

This usually means no accidents and traffic violations.

For young drivers, as you gain more experience, you may see your rate do down.

Nevertheless, any specific situation could lead to some variations.

For instance, if you have received several tickets or have been involved in a number of accidents, these factors might quite possibly rule out an age-related discount.

There are some other factors that can also affect your premiums. These include,

Your driving record

Insurers discounts

Your credit history, marital status, and gender

Home Location

Frequency and area you drive in

Coverage types and limits

The vehicle you drive

Next time you are looking for your cheapest insurance options, you know exactly what factors you need to consider and where you can find them all.

Do you have any other cheap insurance in Dubai? Engage with us in the comment box below!


Originally published Sep 07, 2019 10:45:28 AM, updated May 18, 2021

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