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Verified Tsikot Member
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September 17th, 2012 06:02 PM #1Hello Tsikoters
Question, ok ba yung quote sa amin ng insurance companies na as much as 30k? yung car is Elantra 2012 1.8
ganun ba talaga kamahal? pano ba usually kinocompute to?
Thanks!
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Verified Tsikot Member
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September 17th, 2012 10:21 PM #3Very good quote if it is already bundled with acts of nature.
http://tsikot.com/forums/car-insuran...1/index20.html
here are the basic coverages of an insurance policy.
1. CTPL - needed for registration. covers 100k due to death and/or medical and other expenses for third party persons.
2. comprehensive - covers own damage/theft to your vehicle plus VTPL of body injury and property damage
2a. Sometimes also bundled with Acts of nature or acts of God
3. Auto P.A. - covering death or injuries to persons inside the vehicle covered
How to compute? CTPL and VTPL have fixed premium. For brand new units, CTPL is 1,675 for 3 years.
Own damage/theft rate for private cars range is about 2% (depends on the insurance company) of the value plus acts of nature is about .5%
VTPL is fixed rate, depending on the coverage. If at 200k each, BI is 280, PD is 1,245.
PA iis about 250 for every 250k coverage.
Add them all up and add approximatley 25% (taxes) to the result, will give you the total premium.
Acts of nature and PA are optional.
Guide lang yan kasi rates differ with every insurance company.
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September 17th, 2012 10:57 PM #4
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September 18th, 2012 09:33 AM #730k is already a very competitive rate for your elantra. Just make sure you have an agent servicing your needs to somewhat avoid the hassles if and when you encounter an accident.
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September 18th, 2012 09:44 AM #8
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September 18th, 2012 11:11 AM #9
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My Ford SYNC just updated itself. Anyone here knows what was updated?
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