How To Buy Car Insurance Philippines

When shopping for car insurance, there are various things you should consider while your current policy is still active. Whether you are purchasing a new car or adding another driver to your insurance plan, you need to consider the following helpful tips when buying car insurance.

If you have own more than one car to insure or there is more than one driver with access to the car, an insurance provider may offer a bulk rate versus a higher rate for a single driver or vehicle. There are usually requirements in place for multiple drivers. For instance, the drivers must be related to the policy holder, and they must reside in the same home. However, it is possible for an exception to be made for unrelated individuals who own the vehicle together. Teenagers who earn good grades are also likely to qualify for a discount that can range from 1 to 39 percent.

If you want to get a discount, consider bundling insurance policies. You should check with insurance companies for options to bundle policies, like car and homeowner’s insurance, for additional savings.

Another important thing to remember when shopping for car insurance Philippines is that safe driving pays off. With more traffic on the highway and a lot of distractions inside the car, the potential for an accident is very high. You need to remember that the less focused you are behind the wheel, the more likely you are to get involved in an accident, something that can lead to points being assessed to your license. When an insurance provider takes a peek at your driving history, a negative driving record can mean higher insurance rates. If you are a safer driver, you can be offered lower rates.

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