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  1. Join Date
    Aug 2010
    Posts
    119
    #11
    Quote Originally Posted by aboji View Post
    IlAng % ba usually ng price ng car ang computation ng insurance cost? Tama nga price mo, my City is 771k.
    more or less 3% ng invoice, di pa kasama AOG

  2. Join Date
    Nov 2008
    Posts
    2,420
    #12
    Quote Originally Posted by JJGF View Post
    sir sobra naman ata taas niyan..

    09 montero sport (1.330m) - 1st year - 21,+++
    - 2nd year - 20,+++

    with AOG pareho. federal phoenix
    ang baba/mura ng insurance mo. paano ba yung computation para malaman yung tamang amount ng insurance?

  3. Join Date
    Apr 2009
    Posts
    1,339
    #13
    Quote Originally Posted by james00112233 View Post
    ang baba/mura ng insurance mo. paano ba yung computation para malaman yung tamang amount ng insurance?
    hindi ko alam sir..

    kung seryoso lang din naman sa pag kukuripot, gumamit ng mga padrino

    puwede ka naman dumiretso sa bank, may hawak naman silang mga insurance company. sila na bahala

  4. Join Date
    Jul 2010
    Posts
    4,390
    #14
    Quote Originally Posted by ecozone View Post
    more or less 3% ng invoice, di pa kasama AOG
    sa akin mga 4% including AOG. (sa saudi ito) just sharing mga bros....

  5. Join Date
    Jul 2010
    Posts
    76
    #15
    Sa akin is 15.6K for Mazda 3. Comprehensive with AOG/SRCC. 1.2K for 3yrs CTPL.

  6. Join Date
    Jun 2006
    Posts
    25
    #16
    Grabe! Tinaga ako ng ahente ko! If i only went online to check this out i could have been more knowledgeable! Bad trip! Mababawi ko pa kaya yun? Or hindi na kase naka insurance nako? Tom ko pa mkukuha ang insu docs pero naka post-dated ang check, feb ang first payment.

    Ano kaya magandang gawin bukod sa magsisi?

  7. Join Date
    Jun 2006
    Posts
    25
    #17
    Ang lumalabas na binigay saken 3.5% with aog. Yung ctpl ba hiwalay pa dapat yun? Di nan nabanggit saken yun ng SA ko so i assume kasama sha. Ask ko rin sa kanya just to be sure.

  8. Join Date
    Apr 2010
    Posts
    235
    #18
    Quote Originally Posted by JJGF View Post
    sir sobra naman ata taas niyan..

    09 montero sport (1.330m) - 1st year - 21,+++
    - 2nd year - 20,+++

    with AOG pareho. federal phoenix
    Bro, ang baba ng rate mo a.. Tama lang siya pag walang AOG.

    Quote Originally Posted by _Qwerty_ View Post
    dapat at least nasa mga 16T lang yan sir.. pero kung may AOG.. baka mga 18T..
    AOG is 0.5% as mandated by PIRA (insurance regulating body). May fine sila if they are caught. So AOG cannot be just additional 2k for a 700k+ car. Assuming at 700k, additional premium would be 3,500 plus approx 25% taxes or about 875 totals about 4,375.


    Unlike fire insurance, motor car insurance walang fixed na rates. Meron lang standard rates:

    for brand new SUV ay mga 1.3% to 1.5%
    for brand new sedans ay mga 2%-2.5%
    Of course guide lang yan. Your rate will depend on the insurance company. also how much businesses you give to them. Also your claim history can affect your rates. and others..

    AOG fixed at 0.5%

    Taxes include the following:
    12% VAT
    12.5% doc stamps
    local government tax ranging from 0.15% above (not sure, basta minimal lang siya)

    If youre paying lower than that, consider yourself lucky. Still you have to check the company. some companies can offer very very low rates pero pagdating sa claim naman ay bye bye bye ka..

    If youre paying higher than that, well maybe your company offers very good after sales services. or a no frills claims.

    The most important thing in insurance is that you get paid properly upon suffering an accident.

  9. Join Date
    Apr 2010
    Posts
    235
    #19
    Quote Originally Posted by aboji View Post
    Ang lumalabas na binigay saken 3.5% with aog. Yung ctpl ba hiwalay pa dapat yun? Di nan nabanggit saken yun ng SA ko so i assume kasama sha. Ask ko rin sa kanya just to be sure.
    Nope hiwalay siya kasi 3 years ang CTPL while yung compre ay for one year lang..

  10. Join Date
    Jun 2006
    Posts
    25
    #20
    ^ so assuming that my car is valued at 771k, 20% down and 60mos term ok naba yung 26.5k total compre that includes AOG? walang nabanggit na ctpl saken SA ko. JPE Insurance payable ang mga post dated ko and Federal Phoenix ang policies.

    Your feedback derf would be appreciated.

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