hei guys, thanks sa lahat ng replies.
i chose the honda city 1.5 M/T, medyo nagover sa budget, but im cool with in

McLeor - try to huggle with your SA re the insurance. from my recent experience, the first quote was very high. after ilan tawaran, i get a considerable discount sa insurance.

Also, check mo din options mo sa ibang dealers. When i was checking on Toyota Vios, i went to two dealers and compared their quotes. Try mo sa Toyota Pasong Tamo, i can give you the name of the SA who assisted me there. Maayos kausap at maasikaso. Kaya medyo nahiya ko nun sabihin ko, i opted for a honda instead.

And yes, un rate nun in-house financing mataas, pero after ilan tawaran, bumaba din naman un rate. Mas mababa nga pala ang rate ng mga banko.

Basta un lesson learned ko when shopping for a car, check all your options at wag mahiya tumawad at humingi ng freebies at wag magmadali.