How to Buy Car Insurance in the Philippines

Are you planning to buy car insurance Philippines for your new car? It is important to get the best coverage possible so that in case of an accident, you would not be forced to pay a lot of money out of pocket. When searching for the best insurance for your car, you will need to do the following.

If you are operating on a tight budget, you need to know what to do in order to reduce your premium. Even though the temptation of choosing the cheapest option is understandable, it can also be misguided. You need to remember that the low cost car insurance plans tend to be more restrictive, feature lower coverage limits, and some of them may also lack in other areas, like their quality of customer service.

With that said, there are various things you can do to make sure that you are getting the best deal on your auto insurance, at the best price. One of the things you should do is ensure you have a clean driving record. This is one of the top factors influencing how car insurance premiums are calculated. Insurance companies reward people who drive carefully by giving them no claim discounts, which are discounts that are given to policyholders who have driven claims-free for a set period of time.

In the Philippines, you can get a no claim discount of 50 percent if you own a private car, which represents 5+ years of claims free driving. Car insurance quotes are often affected by an existing no claims discount you have, as a number of insurance companies will allow you to transfer that discount across to a new plan.

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