Getting your first car is an exciting time! This excitement should not be shadowed by being overcharged on car insurance. Unfortunately, many insurance companies charge new drivers higher insurance premiums, usually because they are statistically the most likely to be involved in a car accident. In Dubai, it is compulsory to have at least third-party car insurance in place. When insuring your first car there are several factors to consider.

How to save on insuring your first car

The first way to save on your car insurance policies is to take the time to compare quotations from a range of different insurance companies. Compare Insurance provides a free car insurance comparison tool from the best car insurance companies in Dubai which gives you quotations and coverage levels to choose from within 5 minutes.

The type of car you are trying to insure impacts your insurance premiums. If your first car is a more expensive or older car, you will pay more than if you have a smaller, newer vehicle. Keeping your car stowed away in a locked garage will also reduce your premiums as your car will be at less of a risk of being stolen than if it was parked on the road. Make sure that you communicate these factors to your insurance company when asking for a quote to benefit from cost savings.

What to consider when insuring your first car

There are so many different aspects to think about when getting your first car. Getting great insurance cover should not be stressful or confusing. Firstly, you will need to decide between comprehensive (full cover for you and your vehicle plus third-party coverage) and third-party insurance which only covers damage to other vehicles in an accident that was caused by you. Comprehensive cover is more expensive but can be beneficial in the long run, especially if you have a brand-new vehicle.

If you decide on a comprehensive car insurance plan, you have the option to add on extras such as a hired car benefit where you will be able to use a rental car while your car gets fixed, windscreen cover or roadside assistance for if you are broken down on the side of the road. The important thing is remembering that car insurance is there to protect you and your vehicle, and you should take the time to find the right policy to cover you and your first car.