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Comprehensive Guidelines for Affordable and Ideal Auto Insurance

Written by Huma

Ideal and Affordable Auto Insurance: The Ultimate Guidelines

We have compiled some car protection procedures in this article.

Our month starts with planning how to utilize all the expenditures evenly so that you don’t go out of budget in the middle of the month.

But mostly, this is wishful thinking as at the start of the month, when you have to pay your car insurance premium, all your planning goes in vain.

Law & Luxury

It’s not like you can skip this part in your life because according to the auto Insurance laws of the UAE anyone in possession of any type of vehicle, is obligated to get car insurance.

It is not wrong to say that in this day and age cars have become more of a necessity than a luxury in our everyday life. Now the thing that we can call a luxury is the ‘Insurance’.

Q) So how do we end up getting expensive auto insurance?

Sometimes we are at fault while purchasing we don’t have the sound knowledge about different insurance and lack of awareness about these auto protection policies, which leads us to get costly insurance. Many of us understand that we have to get our car insurance but forget about the trick of saving monetary factors associated with it. You can’t expect to get your desired auto insurance policy on the very first visit to an insurance provider. Many insurance companies try to trap you in their rigid car protection policies making it look like this is the best you can get in the market.

What is the best auto insurance to have?

Axa and adnic are considered to be the best auto insurance. However for auto insurance to be the best, it is necessary to have insurance that meets your needs. You can compare the quotes from different companies and choose the one that suits you the best at BuyAnyInsurance. 

What is the difference between auto insurance 100/300 vs 250/500?

A 100/300 policy covers $100,000 for the body injury and $300,000 for the accidents, while 250/500 covers 250,000 for body injury and $500,000 for the maximum overall coverage.

Who normally has the cheapest car insurance?

Axa Insurance, Adnic Insurance, Adamjee insurance are few companies that offer pocket friendly car insurance services. However you can compare different quotes at BuyAnyInsurance and choose the one that suits you the best.

How much is the car insurance in Abu Dhabi?

An average premium quote in Abu Dhabi is 2.35% of the car’s value.

What are three factors that affect your auto insurance?

These are the three factors that may affect your auto insurance premiums:-your car & your driving habits-demographic factors and the coverages-limits and deductibles you choose These factors may include things such as your age, anti-theft features in your vehicle  and your driving record.

What are some disadvantages of auto insurance?

Some of the disadvantages of car insurance are:-Time taking process-Hassle free claim settlement-Poor customer support & services

Guidelines For Affordable Auto Insurance Policies:

This article is dedicated to those looking for ideal and affordable auto insurance but doesn’t have the proper guidelines. So, without further ado, let’s dive in.

1.Better Aware Than Sorry:

Whether you’ve got a new car or you are changing your insurance, always do research and ask questions like;

What is the general view of car insurance?

This type of question will make you aware of a variety of auto protection policies that focus on

  • Annual premium you pay for your car,
  • Claim and repairs on serious of unfortunate events.
  • Saving and Bonus discounts
  • Car insurance quotes
  • Third-Party Liability or injury claims
  • Protection of financial liability

And so many more. So, it’s wise before jumping on the first quote and signing the documents without understanding; always take a moment to ease your mind and research the concepts of car insurance that can benefit you truly.

2. Read Blogs and Insurance Documents precisely:

In the time of technology and the internet, where everything is transparent and bigger, it is easier to conduct research online.

Similarly, when car insurance shopping, you can read different insurance blogs in authentic and real-time websites like BuyAnyInsurance that will help you evaluate your choices and compare car quotes within no time.

This will also help you read the important points in policy documents that are mostly hard to understand.

3. Follow the Driving & Traffic Rules:

You heard it right; follow the general driving and traffic rules, and tadaa, you can save plenty of money. Many insurance providers offer their law-abiding clients, who never violated traffic rules and drove safely, more reasonable and lucrative packages.

You can get 20 to 45% discount rates on premiums. So be a good citizen and get the cheapest discounts.

4. Buy Your Car Smartly

Several variables are involved while calculating the premium rates of any car. Mostly the insurance companies include;

  • Car type/specification
  • Features like a car model. In which year it was manufactured and safety factors

For instance, car-like SUVs or sports cars have more premium coverage than others. However, there can be another reason, but all these elements are considered when adding or subtracting from the auto premium policies.

5. Don’t be a High-Risk Vehicle:

Don’t be a fast and furious type of driver. Not only is it against your safety, but it also makes you a high-risk vehicle owner for many insurance companies who charge you high premium rates due to your car’s high kilometer and mileage rate.

For affordable auto insurance, you must control your speed limit and try carpooling or taking a taxi to save mileage in time of getting new insurance policies. The idea is to make your car a less-risk vehicle in front of the provider.

6. Take Advantage of No-Claim Discounts:

Most of us are still not aware of no-claims discounts. Sometimes, our lack of understanding is missed, and insurance representatives are not entertaining your concerns properly. But no worries, now take advantage of NCD.

No-claim discounts are the reward for being claim-free for a year or more. It features;

  • After every renewal of your auto protection policies, NCD is accumulated in case of your good driving code of conduct.
  • You can transfer No-claims discounts from one insurer to another.

7. Have some Experience:

Another way to get cheap car insurance has appropriate driving age and experience. Insurance providers usually put more premium charges on the less experienced drivers and have an age limit-less of 25 because of high accidental incident chances.

So it’s best to get some experience in your Dad’s old car so that you don’t have to pay a hefty amount when it comes time to purchase your insurance.

8. Owner of Two Cars

Jokes apart, no matter if you own two or more cars, everyone wants to save money from auto insurance policies in UAE.

So instead of getting your two-car insured separately, you can now buy both cars in bulk.

Many auto insurance firms are giving discounts to clients who have multiple cars. Avail this opportunity to save on your insurance premium upfront.

Related Articles:

A to Z Guide: Everything you need to know about driving a car in Dubai

Calculate Car Insurance Premium Online in the UAE – BuyAnyInsurance

Car Insurance Cover in the UAE

Originally published Oct 14, 2019 17:26:17 PM, updated May 07, 2024

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