Several factors influence the cost of car insurance in the UAE, including:

Vehicle Type and Age: Luxury cars, sports cars, and newer models generally have higher premiums due to their higher value and potential repair costs. Older vehicles, on the other hand, may have lower premiums.

Driver's Age and Experience: Younger drivers and those with less driving experience are typically considered higher risk. Their premiums are usually higher. Conversely, experienced drivers with a clean driving record may qualify for lower premiums.

Driving History: Accidents, traffic violations, and claims history significantly impact premiums. A history of accidents or traffic violations can lead to significantly higher premiums, while a clean driving record can result in lower costs.

Coverage Level: Comprehensive insurance naturally costs more than third-party liability insurance due to its broader coverage.

Optional Add-ons: Adding optional coverage like personal accident cover, roadside assistance, or zero-excess or deductible will increase the premium.

Location: Depending on the emirate and the specific area within the emirate, the risk of accidents and theft may vary, impacting premiums.

No-Claim Bonus: Drivers with no claims for a certain period (usually one year) may qualify for a no-claim bonus, which reduces the premium 
Insurers in the UAE assess these factors to determine your motor insurance premium. Comparing policies and maintaining a good driving record can help you secure better rates.

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