Brand new car and comprehensive insurance — PinoyExchange

Brand new car and comprehensive insurance

First time purchasing a new car: Is it cheaper to go straight to insurance providers? Or better to go with the dealer's insurance?


  • slamm
    slamm runnin on empty
    It's usually cheaper to get on your own.
  • thanks! can you suggest a good insurance provider?
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  • may pros and cons..

    minsan presyo ng dealer is much cheaper. pero madadali ka naman sa participation mo.


    nabanga ka. cost to fix is 50 k. you pay like 7,000 pesos as your participation fee. the remainder is shoshoulder ng insurance mo.

    so yun.. anyway yung ibang insurance, medyo mahal ng konti, pero maliit lang ang participation fee mo. (say 3k)
  • I agree there would be pros and cons so it depends on your choice. In my opinion it is cheaper to get your own as there is a lot of insurance companies out there who can offer you affordable car insurance. You can compare rates if possible.
  • i agree go directly to the insurance provider.
  • jason_10
    jason_10 auto enthusiast
    Make sure the insurance company is accredited by the dealer. Also its better to get covered by well known insurance companies. My previous insurance isn't that liquid. They issued post dated checks to the car dealer for the payment of the repair. Also paid a large participation fee since my car was about 5 years old at that time.
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