Buying Car Insurance the Smart Way

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Buying Car Insurance the Smart Way

Buying car insurance can be tricky especially if you don’t know much about car insurance.  There are a few factors that need to be considered before buying.


1.  Price –  This is probably the most important nowadays. Price or premium as what its called in the insurance industry varies.  The more you get quotes the better for you.
The smarter way do is to go to a car insurance comparison site like  This site can give you the lowest price while giving you reliable insurance in the market.


2. Acts of God / Nature coverage –  With storm flooding becoming a normal scenario, it is best to have this coverage built-in under your insurance policy.  A simple contaminated computer box can cost you too P50,000.  From just a fraction of your insurance premium, you can add this feature to your policy.


3. Roadside Assistance –  24 roadside assist feature is a must in buying car insurance.  All car insurance products offer this feature. This service will give you peace of mind.
Everywhere you go, you know there will be somebody to help.  The usual service includes car troubleshooting like battery jumpstart, locked in, run out of fuel, etc…


4.  Deductible –  Check the deductible/ participation in the policy.  A deductible is an amount paid by the assured every time he files a claim.  Be careful and check the deductible amount
because it varies from one policy to another.


5.  Fair Market Value –  Be sure that you are properly covered.  You don’t want to be over-insured.  This happens when the value of your car is too much its fair market value.  It doesn’t mean that you insure your car high means they going to pay you higher in the event of loss or damage.  Its always the fair market value that they will base their settlement.  This also goes the same if you had it underinsured.

Always check these items before buying car insurance.




Author: Migs Cruz

Migs has extensive experience in Web Development, UX/UI Design, Digital Marketing & Analytics. Enjoys playing guitar, sports especially basketball, has an affinity for design, fast cars, travel, photography & videography, a good brunch with an awesome cup of flat white.