Having car insurance in Dubai is not an option but it is mandatory that you carry at least a minimum amount of insurance for your vehicle. It is a necessary expense hence it is important that you find the most affordable car insurance possible.

Why do you need to get your car insured?

Car insurance is not only needed because it is mandatory, but you also need it to protect yourself. In case of an automobile accident without any insurance, especially when it was your fault, you could be sued. In order to compensate the victim for the damage caused, you could lose your valuable assets like any other vehicles you may have, your home, or your property. However, if you have insurance, you are able to protect your assets.

Another reason behind buying car insurance is to protect your vehicle against damage inflicted beyond your control. For example, an earthquake may cause a lot of damages which can be claimed to your insurance company to have the repairs paid for.

Finally, your license can be suspended in case you are pulled over for speeding or some other traffic offense and cannot provide proof of insurance.

Understanding affordable car insurance

When you are buying affordable car insurance, firstly you have a ‘deductible’. This is about how much money you are willing to pay out of your pocket in case of an accident. Sometimes you may need to pay the deductible and sometimes you may not. If you are involved in an accident that’s not your fault, you won’t pay your deductible as the other party's insurance pays for it. In case where you drive into your garage door and damage your car, you will need to pay your deductible when you make a claim.

Different levels of deductibles exist. You should know that the higher the deductible the lower your insurance premium is going to be. Make sure your deductible is one that you can afford if anything unexpected were to happen.

Moreover, you must also ensure that you have enough coverage in the diverse areas of your policy. For example, your policy covers bodily injury, which means that you are compensating the injured party for their bodily injury up to a certain amount.

Buying car insurance online also have several benefits like comparison among different insurance policies and prices, discounts offered and much more.