Car Insurance

[swankydewd]

Here's my opinion:
1. Yes. Comprehensive insurance is required when your car is still on loan. This is the assurance that the financing company will be paid just in case something happens on the vehicle.
2. check your contract with the financing company. some financing company requires you to get the insurance thru their affiliated insurance company, some financing institutions doesn't.
3. if you can get an insurance anywhere (see answer 2), you can canvass their rates.
4. usually the policy can be released on the same day.

other tips:
a. some insurance company declares the value of your vehicle at a lower price. this makes your premium lower. but if something happens to your car, only the declared value can be reimbursed.
b. you can still haggle for the price of the comprehensive insurance

Hi! I purchased a brand new vios last year.. Got a letter from toyota na need ko na daw i-renew yung car insurance ko. I have questions po sana..
1. Required ba talaga ang car insurance sa lahat ng car loans? O pwede nang wag nang kumuha?
2. If required talaga, pwede bang hindi ako sa mismong insurance ng psbank/toyota kumuha? O better direct nalang ako since wala akong idea sa car insurance?
3. Ano pinaka-ok pero di naman masyadong mahal na car insurance?
4. If kukuha ako, mga ilang araw po yun bago ma release? Kasi I need it before April 20 dahil may penalties daw pag walang nabigay na documents..
Thank you in advance everyone! =)


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[nhiecah_nice29]

doesn't.
other tips:
a. some insurance company declares the value of your vehicle at a lower price. this makes your premium lower. but if something happens to your car, only the declared value can be reimbursed.
b. you can still haggle for the price of the comprehensive insurance

That's right po Sir, some insurance company give low premium with very low FMV, or yung ibang coverage's (like the PD, BI and UPPA).

[obek]

Good Day!

Planning to get a new ranger, can anyone suggest an insurance company for my car (comprehensive Ins) thanks!

[ano727]

How much (in percentage) typically yung participation fee for claims, relative to the insured amount? I can see some are 0.5% while others are 0.75% and higher.

Thanks.


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[rvdelara]

It depends on the vehicle sir. Usually for Sedans .5% for SUVs usually 1%. But you can request naman for Fixed Deductible/Participation fee from your agent if you want.

How much (in percentage) typically yung participation fee for claims, relative to the insured amount? I can see some are 0.5% while others are 0.75% and higher.

Thanks.


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[musica]

ask ko lang po,, gusto ko sanang ilipat ng insurance ang car ko after ng expiration ng current insurance nia,, im in the province pero yung insurance ay sa manila pa,, gusto ko sana pampanga base nalang ang insurance para easy access nalang in case ano man mangyare,,,any suggestion po regarding this dilemna,,TIA


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[nhiecah_nice29]

Hi Maam, bka gusto nyo po sa Mapfre? May 2 Pampanga branch.

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[musica]

Hi Maam, bka gusto nyo po sa Mapfre? May 2 Pampanga branch.

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Saan po mapfre dito sa pamp?


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[nhiecah_nice29]

Ma'am, we have Angeles and San Fernando. I will coordinate with them for you po.

[bokista]

Ma'am, we have Angeles and San Fernando. I will coordinate with them for you po.

hi maam, saan po branch ng mapfre dito sa angeles?

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[nhiecah_nice29]

Pm ko po sa inyo.

[iamscylla]

guys san magandang insurance paquote naman.. vios 2014 1.3AT.. gusto ko makita quote sa ibang insurance..thanks! pasend na lang rastudillo*rollbase.ph

[musica]

Ma'am, we have Angeles and San Fernando. I will coordinate with them for you po.

Saan po exact sa san fernando? Taga dito po kc ako,, matagal pa naman bago ma expire ang insurance nia,, btw my car is vios 1.3j 2014

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[birdnipol]

Pa-pm naman po ng compre insurance, 2009 jazz 1.5l at

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[nhiecah_nice29]

^ okay, will send you po. ;)

[RF02]

good morning everyone!

may ask lang sana ako, mag rerenew na kasi ako ng insurance this month ang preferred ko sana walang AOG kaso sabi ng bank ko pag naka mortgage kailangan daw may AOG

is it true po ba? kasi sa previous car ko lagi wala akong AOG eh...

[rvdelara]

good morning everyone!

may ask lang sana ako, mag rerenew na kasi ako ng insurance this month ang preferred ko sana walang AOG kaso sabi ng bank ko pag naka mortgage kailangan daw may AOG

is it true po ba? kasi sa previous car ko lagi wala akong AOG eh...

Yes sir most banks pag naka mortgage yung sasakyan required na may AOG yung insurance ng sasakyan para mas safe. Pero kung payag naman po yung bank niyo na walang AOG wala naman po problema, that's also cheaper compared sa with AOG.

[RF02]

thanks sa info sir ah


last question:
pwede bang walang TPL? kasi diba need lang naman yon pag mag rrenew ng rehistro?

[nhiecah_nice29]

Mas importante po yung TPL kasi di kayo papayagan na makapag-renew sa LTO kung wala po kayo nun. Kung hindi nga po kayo naka-mortgaged pwedeng TPL lang yung meron kayo.

[KingReyes]

I just want to call out Nica (nhiecah_nice29) for being very accommodating. While a last-minute promo from my bank made me get my comprehensive insurance from them, Nica was kind enough to meet me personally near my office location and explain the dynamics of car insurance. Very helpful and proactive. Keep it up Nica!