car insurance

Mam ok na po iyan. Huwag ninyo pong tipirin iyan kung may act of God ang policy.

Nasa mga 15K dapat sir. Usually FREE ang Acts of God, kasi every 50years bago magkaroon ng kalamidad tulad ni Ondoy. Kung 2004 pa ang year model ng auto mo sir, nasa 5 years na yun, cguro nasa 40-45% na ang participation fee mo dyan pag pinagawa ng insurance. Example 1million worth pa insured yung auto, then nanakaw. Babayaran ka ng insurance ng 1M sa auto mo then magbibigay ka sa kanila 400-450 thousand as participation fee. Parang kalahati lang ng insured amount mo ang ibibigay nila. Ask your agent muna sir, then meticulously read your policy before paying.

15k? what company is that? ginagawang free ang Acts of God pag mataas ang premium ng insurance ng isang cliente lalo na pag brand new. Kahit 50 years magkaroon ng ondoy (I doubt it cos of the climate change) still business is business that's the name of the game.

Yes sir 15K. payable pa in 4 months. Usually free ang Acts of God, if not they charge additional 400-500 pesos for that.

25K for a car insurance, mayroon din sir. mga 2-3 years old na auto, nasa ganung range ang premium. The older your car gets the lower your premium will be, kasi lesser na din coverage nya. Like if your car is insured for 1M after 4-5 years, cguro nasa 600K na lang insurance coverage nya. Kaya kung 40K ang initial insurance premium nya, after a year, depreciated na yun to 30K, then the following year, 25K, then 20K.

As your premium gets lower, your insurance coverage also gets lower and the bad part is your participation fee gets higher din usually after the 3rd year. sa 1st 3 years kasi 1% lang participation fee. 20% on your 4th year, then 35%, then 50%.

Dami insurance available sir, mamili na lang kayo sa mga naka-ads.

What do you mean 15k in 4 months? iyan na ba ang babayaran in 15k every month? 15 x 4 = 60k or 15k then breakdown siya sa 4 months pa yun..

Kung 15k divided 4 months I think that's a bargain.

Common naman mababa ang premium ng isang car ag lower model. And other procedure

hindi po usually free ang Acts of God, option sya and additional 2-3K yan sa babayaran mo... kaya most victims ng Ondoy eh hindi covered dahil onti lang sa kanila ang may cover ng Acts of God...

True..

thank you sa mga nagreplies

^paquote ka pa sa iba, marami pa naman dyan...

Yes sir, 14K payable in 4 months. Nasa 3.5K per month ang babayaran mo sir. Issue ka 1 cheque for 3.5K then 3 post-dated cheques for 3 succeeding months. Pag na-aksidente ka within those months na hindi pa fully paid ang insurance, the company will return the post-dated cheques and you will have to pay in full para maka-claim ka sa insurance.

Sir madami po na ganitong insurance, hindi po ako ahente kaya hindi rin maganda na mag-advertise ako ng insurance company. Dumirecho na lang kayo sa mga insurance company mismo para wala ng kumisyon na ikakaltas pa sa inyo sir.

Pili kayo ng may FREE Acts of God, FREE towing in selected areas, mayroon pa na pag nasiraan ka outside metro manila ay bibigyan pa kayo ng re-imbursement sa hotel accomodation ninyo. May FREE roadside assistance 24/7, etc... Mayroon pa akong nakita sa ads nun na may FREE tool set pa pag kumuha ka sa kanila ng insurance.

14K for a 5 year old AUV sir, cguro nasa 600-700 pa insurance coverage nun. Kung 500K na lang insurance value nyan, baka dapat 10-12K na lang ang premium.

alam ko yang may tool set na yan... kukuha dapat ako but without yung Acts of God, buti na lang di ako kumuha... kundi, manghihinayang lang ako