All Articles With Category : Car Insurance

The latest and the best financial news, tips and tricks.

What Should I Do If My Car Breaks Down on the Road?

Looking stressed and helpless while stranded on the highway with a busted engine or flat tire is every motorist’s worst nightmare. But car breakdowns do happen, and they’re both dangerous and costly. So how do you ensure your safety during a roadside emergency? Here are some life-saving tips to keep in mind when your car breaks down on the highway. Table of ContentsGet Your Car Safely Out of TrafficGive Emergency Signals to Other DriversCall for HelpBe Careful When Talking to StrangersFinal ThoughtsGet a Free Car Insurance Quote! Get Your Car Safely Out of Traffic At the first sign of a car breakdown[1], like a squealing or hissing sound while you drive, pull over to the roadside immediately. Don’t stop in the middle of the road and try to fix your car or change your tire. You’ll just put yourself at risk, block the flow of traffic, and cause hassle to fellow motorists. Also, the MMDA doesn’t allow it on Metro Manila roads. Just keep your cool while slowing down, smoothly taking your foot off the accelerator. Don’t brake hard or suddenly. If you can drive to the closest emergency bay, do it to avoid getting your car towed and issued a ticket for a traffic violation (e.g., illegal parking). Carefully watch oncoming traffic through your car mirrors if you have to switch lanes. Remember to turn on your signal lights to warn drivers behind you that you’ll change lanes[2]. Be extra cautious when a truck, bus, or any huge vehicle is trailing you. As much as possible, stay away from…

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Motorists, Watch Out for Wheel Clamping in Makati and BGC

Your days of parking-wherever-you-want is over, especially when in Makati and Bonifacio Global City. In an effort to prevent congestion, enhance traffic flow, and support pedestrian priority programs, the Fort Bonifacio Development Corporation (FBDC) started to implement wheel clamping operations last Sunday, April 15. Makati, on the other hand, has set stricter wheel clamping rules this year as support to a city ordinance passed in 2014. Table of ContentsWhat is wheel clamping?Illegal parking? I was just running an errand.What should I do if an officer clamps my vehicle?When your vehicle is clamped in BGC:When your vehicle is clamped in Makati:Will wheel clamps damage my car?Final Thoughts What is wheel clamping? Wheel clamping is a less obstructive way of “towing” a vehicle. It was first employed in Denver, Colorado as a mean to punish drivers with outstanding parking tickets. Thus, it’s nickname “Denver Boot.” In the Philippines, designated officers and MMDA personnel attach wheel clamps to unauthorized or illegally parked vehicles. Wheel clamps are made of steel and rubber, and are typically color orange or yellow. Illegal parking? I was just running an errand. Makati and BGC officers aren’t lenient when it comes to unauthorized parking. Motorists should always park their vehicles in authorized parking spaces even if they are only dropping by or running a quick errand. FBDC General Manager Jun Galvez also said that despite reprimanding illegally parked vehicles[1], motorists still commit the violation ultimately contributing to traffic build up in the city. When in Makati, keep in mind of the following street parking rules[2] to avoid wheel clamping….

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7 Dos and Don’ts to Remember When Your Car Gets Towed

Has this ever happened to you? You park your car on the street for a quick errand or to find someone to help you change your flat tire. A few minutes later, you return to the spot where you’ve left your car. Much to your surprise and dismay, your car is no longer there. Isn’t that frustrating? And, as if life is making a mockery out of it, you’ve just noticed a “No Parking” sign near the place where you parked your now-missing car. Oh, snap. Your car got towed! While towing isn’t as bad as carnapping, it’s a situation you don’t want to be caught in. But then you have to deal with it—the hassle and expenses included. What to do and not to do? Read on to know how to properly handle an unexpected car towing incident. Table of Contents1. Know Your Rights as a Motorist2. Call the MMDA Hotline3. Gather All Relevant Information4. Document the Towing Incident5. Don’t Offer Bribe or Agree to Bribery6. Get Your Towed Car Back7. File a Formal ComplaintFinal Thoughts 1. Know Your Rights as a Motorist If your vehicle is towed without your knowledge, it’s likely because you parked it illegally. Of course, you have to own up to your mistake—it’s a traffic violation, after all. But know that even if you’ve broken a traffic rule, you’re still entitled to your rights against unfair practices such as illegal towing. One of the first things you need to do after your car has been towed is to check if any towing rule was violated….

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Car Towing Rules Motorists Should Know to Avoid Illegal Towing Scams

Has your car ever been towed? If you’ve never experienced it, consider yourself lucky. Getting your car towed could be very stressful and nerve-wracking, more so if your rights as a motorist are violated. Illegal towing isn’t uncommon in Metro Manila roads. Several times every day, the Metropolitan Manila Development Authority (MMDA) receives complaints about illegal towing activities, ranging from tow units with no license plates and rude behaviors of towing personnel to extortion and charging of high fees. Protect yourself and your vehicle against unscrupulous tow truck companies. Know the towing rules and your rights when your car is towed. Table of ContentsWhy Do Cars Get Towed?Towing Due To Illegal ParkingTowing Due To Vehicle Stalling or AccidentWho Can Tow Cars?What’s the Proper Towing Process?Towing Illegally Parked VehiclesTowing Stalled VehiclesHow Much are the Towing Fees?Who’s Liable For Any Damage to the Towed Car?Final Thoughts Why Do Cars Get Towed? To prevent your car from getting hauled, you must avoid these three situations: illegal parking, vehicle breakdown, and road accident. MMDA or any of its accredited companies can tow your car under one of these circumstances. Towing Due To Illegal Parking Of the three reasons for car towing, illegal parking is the one you have the most control over. Even if it’s difficult to find a parking spot, never park your car on the street, especially one with a “No Parking” sign. This is what a motorist learned the hard way[1] when his vehicle—with his two kids inside—was towed in Makati last year. A mistake as simple as parking one’s car in the…

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The Pros and Cons of Buying a Repossessed Car in the Philippines

Thinking of buying a used car? A bank repossessed car also called a repo, is a good option. Somebody else’s loss is a bargain hunter’s gain—this is how repossession works. Banks take back cars from people who fail to repay their car loans and then put the repossessed vehicles on sale. Be careful when shopping for repossessed cars for sale—know first the pros and cons of buying a repo. Table of Contents5 Benefits of Buying a Repossessed Car1. Lower Prices2. Easy to Find Newer Cars in Good Condition3. Opportunity to Score a Great Deal4. Safe and Trustworthy Sellers5. Easy Car Financing OptionThe Risks of Buying a Repossessed Car1. Uncertainty about the Car’s Actual Condition2. Finding the Best Repossed Car to Purchase Takes EffortFinal Thoughts 5 Benefits of Buying a Repossessed Car 1. Lower Prices With the car price increases in the Philippines due to the TRAIN or tax reform law, cheaper options such as repossessed cars have become a more attractive option for budget-conscious car buyers. A repo car purchase can save you between 20% to 40% off the cost of a brand-new car. For example, a repossessed 2016 Toyota Vios (1.3J M/T) sold by BDO costs PHP 447,000, while a new unit costs PHP 668,000. Of course, the car’s value has depreciated over time, but the PHP 200,000+ savings is too hard to pass up for someone with a limited budget who’s just after a decent car. Read more: Cost of Auto Insurance for Toyota Models Banks sell repossessed vehicles for much less than their worth. Some banks like Maybank even offer…

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9 Driving Mistakes That are Most Likely to Kill You

1,380—that’s the number of deaths from 19,000 road accidents in the Philippines in the first eight months of 2017, based on a Philippine National Police-Highway Patrol Group (PNP-HPG) report. That means five people are killed on the road every day. The culprit? Human error[1]. Yes, driving mistakes can cost lives. If these facts don’t alarm you, what else will? You don’t want yourself and your family to be part of the statistics. Make road safety a priority. It all starts with self-awareness. Are you a bad driver? Are you mindful of your own driving habits? Before honking again at a fellow motorist, make sure the person behind your steering wheel isn’t guilty of these deadly driving mistakes. Table of Contents1. Forgetting to Check Your BLOWBAGETS2. Failing to Buckle Up3. Drunk Driving4. Bad Overtaking5. Bad Turning6. Texting While Driving7. Overspeeding8. Going Beast Mode9. Ignoring Car InsuranceFinal ThoughtsSources: 1. Forgetting to Check Your BLOWBAGETS Ensuring road safety starts even before you take your car out of the garage. Ever heard of the motoring term BLOWBAGETS? Coined by the PNP-HPG, it stresses the value of checking your vehicle’s condition, specifically the following: Battery Light Oil Water Brakes Air Gas Engine Tools Self Failure to spot early signs of damage may cause some parts of your car to suddenly explode. Check your owner’s manual for the maintenance schedule of each car component. If you detect a problem, have it fixed at the nearest mechanic. 2. Failing to Buckle Up Everyone knows that wearing a seat belt is crucial to road safety. This is one of…

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LTO Exams: What You Need to Know Before Taking the Driving Tests

All applicants for driver’s license in the Philippines are required to take the driving exams at the Land Transportation Office (LTO). This critical step to becoming a licensed driver ensures that only those who drive safely and responsibly are on the road. The driver’s license examination consists of a written test and a practical driving test. You need to pass both LTO exams to get a driving license. Read First: Complete Guide to Getting a Driver’s License in the Philippines Table of ContentsWhat Happens During the LTO Written Exam?What Happens During the Practical Driving Test?Practical Exam Scoring SystemTips on How to Pass the LTO ExamsWhat to Do Before Taking the LTO ExamsWhat to Do During the LTO ExamsWhat Happens If You Fail an LTO Exam?Final Thoughts What Happens During the LTO Written Exam? Taking the written exam is the next step after having your photo taken, creating a digital signature, and paying the applicable fees. LTO no longer holds a lecture before administering the written test. Instead, it has made an LTO exam reviewer [1] available to the public through its website. LTO also gives examinees an option to take the test in either English or Filipino. The written exam for driver’s license applicants has the following categories: General driving knowledge Parking Driving emergencies Handling and driving Road signs and lane markings Road position If you’re applying for a non-professional license, you need to get 30 correct answers out of 40 items to pass the exam. Professional license applicants have to get 45 out of 60 items correctly. Examinees who passed will…

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2018 Car Prices in the Philippines: How Much Does It Cost to Own a Car?

Can you afford to own a car this 2018? If you’re trying to cut costs, it would seem a little too late to buy a brand-new car this year. The tax reform or TRAIN law has raised excise taxes on petroleum products and automobiles since January 2018, driving up fuel and car prices in the Philippines. The automotive industry is bracing for the impact of the new excise taxes on vehicle and fuel costs[1]. Because of these price hikes, some of the country’s top car brands and the Chamber of Automotive Manufacturers of the Philippines expect vehicle sales to slow down this year[2]. Aside from these major expenses, take into account other car ownership costs when deciding whether to buy a car or not. A car purchase is a serious decision—so make sure your finances are in order before you make that huge investment. As a prospective car buyer, manage your expectations—know how much you’ll need to cover all costs involved in owning a vehicle. Table of ContentsCar Prices in the Philippines for 2018Car Loan PaymentsFuel CostsOther Vehicle Expenses to Consider1. LTO Registration2. Car Insurance3. Parking and Toll Fees4. Car Maintenance and Repair5. Car DepreciationEstimated Total Cost of Owning a CarFinal Thoughts Car Prices in the Philippines for 2018 Considering to buy a pick-up truck or an electric car? Lucky you because these vehicles are exempt from excise taxes under the TRAIN law. Also, TRAIN imposes only a 50% excise tax rate on hybrid cars. And ironically, premium or luxury car prices in the Philippines are lower than last year. Lower-end cars bear…

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Why You Need Motorcycle Insurance and How to Get it

According to a news report, there were on average 23 vehicular accidents per day[1] on EDSA in 2017. The fewer wheels your vehicle has, the higher the exposure to accidents and fatalities, which explains why motorcycle riders are more vulnerable than cars. According to an analysis done by Thinking Machines, a data science consultancy, motorcycles are the most vulnerable form of transportation with a 52% likelihood of fatalities. They gathered and analysed the findings of the Metro Manila Accident Recording and Analysis System (MMARAS) and found that motorcycles are five times more likely to be involved in accidents than cars. Aside from motorcycles being more prone to accidents, here are other important reasons why you need comprehensive motorcycle insurance: Table of ContentsWhy You Need Motorcycle Insurance (and the Costs Included)1. Motorcycles are easier to steal2. They’re more susceptible to damages3. You’ll need the payout to cover other costs aside from motorcycle damagesApplying for Motorcycle InsuranceMaking an Insurance ClaimSafety on WheelsLooking for a financial product? Click the box below to connect with our financial advisors. Why You Need Motorcycle Insurance (and the Costs Included) 1. Motorcycles are easier to steal According to the PNP-Highway Patrol Group (HPG), in 2017 there were 7,517 vehicles stolen in different parts of the country, out of 6,956 were motorcycles. Motorcycles are easier to steal than cars since once the lock is broken or cut, it’s easy to store them in a van or large vehicle for a quick getaway or hardwire and drive them off the crime scene. Aside from motorcycles being more susceptible to accidents, they’re also more susceptible to theft. Costs…

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Best Stores in the Philippines to Get Car Accessories

Experienced car owners know that a little wax and customization can do a lot even on the dirtiest and oldest vehicle. However, when service centers aren’t enough and you want to do these by yourself, you need to invest on products that can make your vehicle look (and feel) brand new. Sounds great, right? For rookies, the first step is to find an establishment that can provide your automotive needs. Thankfully, there’s a considerable amount of car accessory stores in Metro Manila. From big names to small establishments, we listed the notable ones below. Table of ContentsBig Names in the MarketBladeConcordeAce HardwareTrue ValueSmall Businesses for Car AccessoriesAudionel Car AccessoriesAutoline PhilippinesAutoworkz Car AccessoriesCopperblue Car Accessories CenterL.A. Car Accessories and Tint RoomShark Philippines Car AccessoriesFinal Thoughts Big Names in the Market Finding a store that sell quality car accessories can be daunting, especially when you don’t know where to look. Don’t be intimidated by this. Here are four of the best car accessory shops that you can find in malls. Blade Blade, undoubtedly, is one of the biggest names when it comes to car accessories in the Philippines. Established in 1994, the company offers a wide selection of car products, including auto electronics, cleaning materials, oils and fluids, and interior and exterior accessories. They also offer performance parts, wheels, and tires, making them the one-stop-accessory-shop of car owners in the country. If there’s one thing that sets Blade apart, it’s their own line of car accessory products. Their in-house brand comprise of waxes, cleaning cloths, dehumidifiers, car covers, and seat cushions. Customers…

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The Anti-Distracted Driving Act: How Helpful Is It in Preventing Road Accidents?

The World Health Organization’s 2015 Global Status Report on Road Safety claimed that distracted driving is a “serious and growing threat to road safety.” Drivers who are preoccupied with their gadgets while on the road are four times more likely to get into a crash. Specifically, texting while driving makes a person 23 times more susceptible to accidents on the road. Road mishaps are bound to arise when a driver’s mind wanders off from the steering wheel and away from the act of driving. While one can drive on autopilot, driving still requires full attention because roads, especially in the Philippines, are unpredictable. That’s why Filipino lawmakers found it imperative to legally prohibit the use of gadgets or any type of distraction while on the road. Hence, we have the Republic Act 10913 or the Anti-Distracted Driving Act (ADDA) of 2017. Table of ContentsThe Scope of the Anti-Distracted Driving ActThe Confusion Surrounding the Project ImplementationUnderstanding What “Line of Sight” MeansFines and Charges for ViolationsUnpaid fines will reflect on the driver’s records and will impede renewal of his or her license.Is the ADDA Effective?Final ThoughtsLooking for a financial product? Click the box below to connect with our financial advisors. The Scope of the Anti-Distracted Driving Act ADDA encourages motorists to keep their eyes on the road and their hands on the wheels by prohibiting the use of electronic communication devices when driving, regardless of whether the vehicle is in motion or caught up in traffic. Some actions considered illegal are making or receiving calls; writing, sending, or reading text-based communications; surfing the…

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How Much Bitcoin Do You Need to Buy a Car?

A new kind of currency is gaining ground in the Philippines, and it’s called bitcoin—a term you may have heard since it’s the most popular form of virtual currency, or what is technically called cryptocurrency, today. Filipinos here and abroad use bitcoin to settle remittance payments and utility bills, all at a relatively lower cost. Because bitcoins are easily transferable, they make transactions faster and more convenient. Unlike cold, hard cash, they’re not issued by any central entity such as a government or a bank. Instead, their value is dependent on supply and demand, as well as the integrity of cryptography. The whole concept of bitcoin started in 2008, and hardly a decade after, it has grown in value. In fact, one bitcoin today is equivalent to almost PHP 900,000. Users exchange bitcoins with bitcoin wallets, which are considered portable versions of a public ledger called “blockchain[1]”. Public ledgers keep a permanent record of each bitcoin transaction made, without spilling any personal information of the wallet holder. This ensures security and prevents identity theft. As such, users can send or receive bitcoins anonymously anywhere in the world. Table of ContentsMainstream Bitcoin Adoption in the PhilippinesHow much does your dream car cost in bitcoin?Final Thoughts Mainstream Bitcoin Adoption in the Philippines The thriving community of bitcoin users in the country is due primarily to three things: the legalization of bitcoin by the Bangko Sentral ng Pilipinas, Filipinos’ collective quest for better remittance options, and services like Coins.ph that offer fast and easy bitcoin conversions. Coins.ph is a forerunner in bitcoin innovation in…

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Can a Dash Cam Reduce Car Insurance Costs in the Philippines?

Roads are seeing more action lately. They’ve become almost a disaster show featuring exhibits like road rage, accidents, and roadkills—which are not fun to watch but are sometimes necessary to review for insurance purposes. When unfortunate events arise, witnesses aren’t always around to corroborate your claims. That’s why, sometimes, perpetrators get away, leaving you with a pay price to pay. This is where dash cams come in. As the name suggests, a dash cam is a device you put on your car’s dashboard to take a visual recording of the road ahead. Most dash cams are designed to begin recording the minute you start your engine and then stop right when you turn it off. However, there are also more advanced dash cams that can record videos even when your engine is off. That way, you can keep tabs on what’s happening around your vehicle every minute of the day. Since a dash cam can capture the frame-by-frame turnout of events leading into an unfortunate outcome, you can use it to strengthen your insurance claims in the face of a fender-bender, a minor bump, or a major accident. You can use it as solid evidence to clear you of suspicions and to catch the real perpetrators, if there are any. Table of ContentsWhy Insurers Advocate for Dash CamsFGen Insurance: Pioneering Dash Cam Discounts in the PhilippinesOther Countries That Offer Dash Cam DiscountsFinal ThoughtsGet a Free Car Insurance Quote! Why Insurers Advocate for Dash Cams Many insurance companies are starting to acknowledge the usefulness of dash cams. These devices, which can…

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These Three Philippine Traffic Laws Will Leave You Confused

In the Philippines, traffic laws can sometimes be more troublesome[1] than helpful. Though meant to solve traffic issues and improve road safety, some can be confusing when they vary across the city. There are many strange traffic laws around the world, but here are three weird ones from the Philippines. Table of Contents1. The ‘Coding’ Traffic Laws2. The ‘Anti-Helmet’ Traffic Laws3. The ‘No Two Men’ Traffic LawsFinal Thoughts 1. The ‘Coding’ Traffic Laws The Unified Vehicular Volume Reduction Program is also known as color/number coding or simply ‘coding’. Under these traffic laws, certain number plates are barred from entering Metro Manila from 7 am to 8 pm. First implemented in Metro Manila in 1995 and now also enforced in Metro Baguio, Dagupan, and Cabanatuan.  What makes it odd it varies from city to city. For example, Pasig, provide a “window hour” for barred vehicles to travel, except on the C-5 access road.  The scheme is not implemented within Taguig but is enforced on the national roads that border it. Motorcycles are completely exempt from the program. The law was supposed to ease congestion in the capital, but it does not seem to have had much impact. 2. The ‘Anti-Helmet’ Traffic Laws The Land Transportation Office’s National Helmet Law requires everyone riding a motorcycle to wear a helmet. But the Dagupan ‘Anti-Helmet’ law[2] prohibits anyone driving a motorcycle at 15 kilometers per hour or less from wearing a helmet.  These traffic laws were implemented to prevent criminals from concealing their identities. Those wearing helmets have to remove them at checkpoints.  Fines for violations are – Php 200 for the first offense and…

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Toyota Wigo vs. Hyundai Eon: Choosing the Ideal Mini Hatchback

Working on a tight budget for your first ever car purchase and looking for a bang-for-the-buck option? Among the most affordable and most practical vehicles to consider are mini hatchbacks that are small on the outside yet big on the inside. Hatchbacks are also among the easiest to buy, contributing to vehicle sales growth in the Philippines. If you’ve already explored your choices and you’re torn between Toyota Wigo and Hyundai Eon[1], here is a comparison guide to help you decide which of the two popular hatchbacks is worth your money. Table of ContentsPriceWinner: Hyundai EonEngine and PerformanceWinner: Toyota WigoFuel EconomyWinner: None. Fuel economy depends more on the car owner rather than the car model.Safety and SecurityWinner: Toyota WigoSizeWinner: None. It depends on the buyer’s taste.ExteriorWinner: None. It depends on the buyer’s taste.InteriorWinner: NoneWarrantyWinner: Hyundai EonToyota Wigo vs Hyundai Eon: Final Thoughts Price Compared to other popular hatchbacks in the Philippines such as Ford Fiesta, Honda Jazz, and Mitsubishi Mirage that cost PHP 600,000-700,000, Toyota Wigo and Hyundai Eon come with lower price tags at around PHP 500,000 as of October 2017.  Eon is cheaper than Wigo, with its lowest-priced variant being offered at less than half a million bucks. Winner: Hyundai Eon (Note: This is just based on suggested retail prices, not the car’s actual value for money.) Read more: Wigo has a Cheap Car Insurance Price How Much Does Mitsubishi Car Insurance Cost in the Philippines? 21 Cheapest Cars in the Philippines You Can Buy in 2021 Engine and Performance Under the hood of Wigo’s 2017 model lies a…

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5 Car Games That You Can Download for the iOS and Android

If you are a car racing enthusiast, then going to live games can be expensive. The next best thing for you could be a huge number of car games available.  Download them on your smartphone and feel that rush whenever and wherever you are. Table of ContentsThumb Drift Need for Speed: No Limits Assoluto Racing CSR Racing 2 Real Racing 3Final thoughts Thumb Drift Developer: SMG Studios Available On: iOS[1] Price: Free (with microtransactions) Released in April this year, Thumb Drift is one of the top-rated one-touch drift games available for smartphones. SMG Studios is known for developing games that involve just the thumb to play the game, and this one is no exception. It boasts a large selection of themed cars, along with cars modeled-off actual ones in the real world. The tracks are challenging, and the game isn’t even a year old. Drift junkies will see more tracks and more cars as the game continues development. Need for Speed: No Limits Developer: Firemonkeys Studios Available on: Android[2] and iOS[3] Price: Free (with microtransactions) If you have ever played Need for Speed’s older iterations, you may already know that many of the old games were ported to mobile by EA. However, in 2015, Need for Speed: No Limits became the first original mobile title in the franchise. It launched sporting a new coat of paint and a graphics upgrade worthy of the smaller screens. Like previous entries in the franchise, players race through the streets, earning money for vehicle customization. Events allow players to enter a race to win…

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Guidelines on Selling Your Car

There are a lot of ways on selling your car. You can sell it to traders, or advertise them directly to the public through your websites and social media. Along the process, make sure that you get the right person with minimum effort and hassle on your part. Read along: Table of ContentsEvaluate your car’s resale value.Establish a realistic asking price.Choose the channels where you will sell your car.Make a detailed description of your car in your advertisement.Don’t go to buyer meet-ups unprepared.Be clear on payment terms with your buyer. Evaluate your car’s resale value. Offering the wrong resale value of your car can either lose you money because of a lowball or overthrow potential buyers with a steep price. To avoid this, here are some ways you can research on a selling price that can convince your potential buyer to get your car. Research at car selling websites such as Carmudi, AutoDeal, and Tsikot.ph so you can gauge how much you should sell your car for. Join forums online such as reddit.com, Tsikot.com, and PinoyExchange.com so you can get feedback of actual car buyers for free and get a sense of how much your car should sell. Ask family members or friends how much they are willing to pay the car you are selling. This can be a big help on gauging what rice you should sell your car insurance. Establish a realistic asking price. Establishing a car selling price not only involves the upfront fee but also take into consideration when the buyer will ask for discounts. An ideal…

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Car Insurance Mistakes to Avoid

Driving in Metro Manila can be something of a challenge. There are huge traffic jams and reckless drivers, not to mention ever-changing weather patterns. Before a car owner can even operate their car, they already acquire car insurance—the Compulsory Third-Party Liability cover as mandated by the government. Those seeking to protect their vehicle further will seek better coverage. When selecting car insurance coverage, it is important to know what options are available to you. But to avoid any further car insurance mistakes, here are a few things you should take note of. Table of ContentsChoosing price over coverageThinking all insurance covers are equalNot understanding everythingNot shopping aroundLying on your applicationFinal Thoughts Choosing price over coverage The cheapest is not always the best. The lowest rates may not mean that you’ve gotten the best possible coverage for your car, or the purposes you use it for. For instance, don’t consider the lowest-priced if you think you’re prone to accidents or you use your car most of the time. When comparing policies from different companies, be sure to look at the details of the coverage so you know exactly what you’re getting for your money. It’s easy to say that you’ll just drive carefully to justify underinsuring a vehicle. Opting for less coverage to keep your premium payment low puts your investment in a car at risk, especially if your car happens to be a higher-end model. You’ll spend about 2.25 percent of your car’s fair market value every year for the first three years you own the car in any case. That’s…

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Save 50% on your car maintenance with Rapide Baesa Town Center

    Car maintenance is a very important factor in preserving the performance of your car, securing you and your family’s safety, and maintaining your car’s market value. Most of the brand new car owners go to casa auto service centers for monthly maintenance of their cars. Casa auto service centers offer quality services but can be quite expensive. If you want to save more from your hard-earned money, you might want to search for other options. The question is, are you sure with the quality of the service? Rapide Baesa Town Center[1] knows the importance of maintaining the performance of the cars and believes in both world-class quality service and affordability. They want to ensure that their customers are happy and satisfied with their service and offer a very affordable price where you can save up to 50%. Here are some of the great advantages in selecting Rapide Baesa Town Center: Table of ContentsProfessional WorkmanshipCertified Spare PartsFree Best Safety InspectionComfortable Customer LoungeLongest warranties on parts and laborFinal thoughts Professional Workmanship They have a pool of experienced experts with a promise of professional workmanship. Their technicians are trained based on the standards of Midas International, the largest quick auto service chain in the US and Europe. Also, their technicians are all certified and passed the NC II requirements and they only hired those with CASA Experience. Certified Spare Parts They only render high quality and genuine spare parts for delicate components of their client’s car. Free Best Safety Inspection Rapide Baesa Town Center provides free safety inspection to vehicles that we service…

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7 Common Car Problems and How to Prevent Them

Car owners are bound to run into their share of problems because of wear and tear. There are several car problemsout there: flat tires, an overheating engine, faulty wiring, all of these result in you getting stuck in traffic, or worse, causing it. Faulty parts are easily replaced, though doing so constantly due to the lack of maintenance can be costly. You end up spending more out of pocket for maintenance, especially if you don’t have car insurance. Luckily, there are ways you can keep your car in top shape before you need to take it in for regular check-ups. Related articles: Car Won’t Start? Troubleshooting Tips for Each Car Breakdown Symptom The Importance of Car Insurance: 6 Benefits for Car Owners Basic Car Brake Troubleshooting You Need to Know Here are just some of the more common car problems, and how to prevent them: Table of ContentsProblem #1: Dead StarterProblem #2: Dead BatteryProblem #3: Alternator ProblemsProblem #4: Spark PlugsProblem #5: Radiator LeaksProblem #6: Oil LeaksProblem #7: Flat TiresFinal Thoughts Problem #1: Dead Starter A dead starter means your car won’t be able to start. It’s usually one of two things: your starter has failed, or your battery is dead. You turn the key in the ignition, and it just doesn’t start – all you hear is a click. Starters have a solenoid in the column, or the starter relay, it allows an electric current to go from the starter motor in response to small control current, setting the engine in motion. Prevention tips:  Whenever possible, do periodic checks on the…

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