AFAIK, standard naman ang rates ng insurance. Meaning, if the car is valued at around 180k, kahit saang insurance mo siya ipasok, HALOS pare-pareho ang rates na ibibigay nila sa iyo, magkakatalo na lang sa riders or payment terms. And of course, sa customer service.

But I could be wrong though. Am just basing my post dun sa insurance guy namin dito. Our firm has an insurance broker kasi as an affiliate.