Posted on Apr 08, 2020

5 Crucial Factors to Consider When Comparing Car Insurance Options

Insurance client studying car insurance plans

Cruising down country roads, windows rolled down, with the gentle wind caressing your hair.

Carousing around the city, steadily driving while peeking at the colorful lights from skyrocketing towers and buildings.

Relishing the cold blast of air inside the cabin as you listen to relaxing tunes while going to work or play.

These situations can all be enjoyed when you have your own car to drive around and bring you places.

But before you can make the most out of owning your own vehicle in Dubai or in any other emirate in the UAE, you must first purchase reliable car insurance. With all the options out there, it is imperative that you first compare car insurance providers and policies to get the best bang for your buck.

Compare Dubai Car Insurance Options

As mandated by the government, each car owner must purchase a legitimate car insurance policy. This is a requirement before any vehicle can be registered and used. Because of this mandate, there are a good number of car insurance companies that claim to provide all your vehicle insurance needs.

With the sheer amount of insurance companies all clamoring for your attention, it is easy to get lost and overwhelmed. All the noise can drown out the essentials that you have to think of. It will be best if you focus your attention on getting the best car insurance advice that you can get.

More importantly, you should do your research. Take the time to review each and every vehicle insurance policy or package that you find. To make things easier and more convenient, you should use an online comparative tool to compare car insurance in Dubai.

With the help of a trustworthy car insurance comparison site, you can get a side-by-side appraisal of each insurance offer. This will give you a better picture of what you are getting into before making your decision. Once you make up your mind, you are just one click away from getting an instant online quotation for your preferred package.

Aside from using this highly useful comparison tool, you should also see to it that you do your part. Below are some of the most helpful considerations that you should have in mind when comparing car insurance options:

1. Check Company Credibility

First off, you should make sure to compare the different insurance companies. Whether they gave you a proposal, you saw them from somewhere, they were recommended to you, or they came up in your online search results, it is worth doing a little sleuthing.

Check on their products and services. See how many years they have already been in the business. More importantly, read customer reviews on and off their website. Learn through personal experiences that their clients have shared. All of these will equip you with helpful knowledge about their integrity as a company.

2. Review the Insurance Policy Coverage

After doing research on the company to check on their experience and service quality, you can then move on to the insurance policies they offer.

There are usually two basic types of policies – third-party and comprehensive coverage. In the UAE, third-party insurance coverage is the basic requirement where, in the event that a vehicular accident happens, the insurance company will cover the cost of damage to the other car. This means that you will have to shoulder the cost of having your car fixed.

For a more inclusive package where you can get complete protection whether you have caused the accident or not, it is best to get the comprehensive insurance plan instead.

Using an online car insurance comparison tool will make it easier for you to scroll through and filter the information that you need regarding the policies each company has on offer.

3. Leverage No-claims Discount

When you renew your vehicle’s insurance, make sure to make good use of your claims history. If you have been a careful driver and have no claims certificate issued to you over the years, then you have a better chance of getting a better policy rate upon renewal.

Depending on your claims history, you can get as much as a 40% no-claims discount from the insurance provider.

4. Assess Availability of Additional Services

Another main consideration when choosing the best car insurance policy is their roster of additional services.

Check if the company offers additional coverage such as 24/7 roadside assistance, personal or passenger coverage, or even off-road coverage, among others. You should also check the geographical coverage of the insurance you are getting. Does it apply to Dubai only or does it extend to all other emirates?

You should also find out what sort of repair coverage the plan gives you. Does it include agency repair? This is when the repairs are carried out by the manufacturer’s authorized service center. Alternatively, check if non-agency repair is stated in the policy, which means you can bring your vehicle to any service workshop that the insurance company has approved.

5. Mind the Maths

Of course, at the end of it all, you need to look at the package price each company gives you. Bear in the mind that the cheapest rate is not necessarily the best package. It all depends on your requirements.

After considering factors such as the make, model, estimated car value, the excess that you need to shell out in case of an accident, additional services and coverage, and similar items, you can then choose the best car insurance offer. Adding up the pros can sometimes lead to a higher premium, but you have to think of your overall safety and peace of mind.

Aside from giving you easy and user-friendly access to a lot of car insurance companies, you also get discounts or freebies when you use an online car insurance comparison site.

Compare and Choose

Comparing car insurance companies – especially using an online comparison site – can make it easier for you to arrive at a decision. Looking at each company’s profile, products, and services will help you in discerning which one will provide you the best coverage according to your needs.

With the variety of car insurance providers out there, you will need a helping hand that can efficiently streamline the choices. An online comparison site like CompareDubai can effectively assist you by providing fast and efficient information so you can objectively assess which insurance plan is the one for you.

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