Car insurance

**ray_noel** · February 2nd, 2022 01:31 PM

Since i’m barely using yung terra ko and time to renew na ang insurance…. Nag request ako na 1m na lang sana pa insured ko from 1.5M to bring down the premium since di ko siya talaga magagamit this year…

To my surprice ayaw nila, instead they offered me 1.3M for own damage/act of nature…

Is that how the car insurance work?

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**babkalakal** · February 2nd, 2022 02:09 PM

Originally Posted by ray_noel

Since i’m barely using yung terra ko and time to renew na ang insurance…. Nag request ako na 1m na lang sana pa insured ko from 1.5M to bring down the premium since di ko siya talaga magagamit this year…

To my surprice ayaw nila, instead they offered me 1.3M for own damage/act of nature…

Is that how the car insurance work?

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yes in that respect sa car insurace there is only a particular range ng percentage na allowed sila ibigay sa client. however i highly suggest you shop around mayroon insurance companies some big nes pa that allow a certain undervalue to lower your premium. however ang risk mo diyan ay in the event of total loss but i'm sure aware ka naman dun.

as with your terra ang feeling ko it is such a relatively new model that it hasn't depreciated enough that it can be insured for 1m lang.

**ray_noel** · February 2nd, 2022 03:14 PM

Originally Posted by babkalakal

yes in that respect sa car insurace there is only a particular range ng percentage na allowed sila ibigay sa client. however i highly suggest you shop around mayroon insurance companies some big nes pa that allow a certain undervalue to lower your premium. however ang risk mo diyan ay in the event of total loss but i'm sure aware ka naman dun.

as with your terra ang feeling ko it is such a relatively new model that it hasn't depreciated enough that it can be insured for 1m lang.

Thanks bruh… im certain naman na nothing will happen bad sa car because of what i’ve experience last year… unless by purpose yung gagawin like nakawin sa garage which is impossible talaga…

And im assured naman if may mangyari it’s not total loss and it’s less than 1M ang own damage….

Anyway, philippine british yung pinagtanongan ko which is my insurance also last year…

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**Deestone** · February 2nd, 2022 03:31 PM

You can ask Nica Gino2x she can help assist you if you need to lower down the premium.

**papi smith** · February 2nd, 2022 03:40 PM

You can also skip insurance this year if tingin mo di mo magagamit talaga.

**yapoy86** · February 2nd, 2022 03:58 PM

Originally Posted by ray_noel

Since i’m barely using yung terra ko and time to renew na ang insurance…. Nag request ako na 1m na lang sana pa insured ko from 1.5M to bring down the premium since di ko siya talaga magagamit this year…

To my surprice ayaw nila, instead they offered me 1.3M for own damage/act of nature…

Is that how the car insurance work?

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Pag bago pa sasakyan alam ko hindi sila nag under value.. may sinusunod sila na table for vehicle price..

Pero may option na walang AOG / AON mas mura yan. Iwas ka na lang sa baha