|
I agree daniel...yung mga car dealer usually malaki
patong sa insurance ng auto..dun sila kasi kumikita..would you believe pare, na
sa isang kotse na nabenta nila 800 pesos lang ang commissions nila...as for mga
SUVs 1200 or 1500 lang yata...hehehe...kaya yon sa insurance sila
nagpapatong...
sayang nakakuha na ako ng insurance...di bale next
year na lang...hehe
----- Original Message -----
Sent: Wednesday, March 30, 2005 1:12
AM
Subject: [4c-math94] 2005 Toyota Rav4
Insurance Premium
No, Mel, that's the annual premium.... payable pa in installments. :
-)
Generally, it's very easy to compute insurance premiums for cars, i quote
on the spot to my clients. The only thing needed is the value of the
car. Unfortunately, I don't have the value of a 2005 Toyota Rav4.. all
the while I thought I was always bringing it. Usually, clients get
insurance from the dealer on the first year because it's "free" or part of the
package... they're not aware that it's not really free or they simply
don't want to get into the hassle of getting in touch with an insurance
company or agent... but it's really cheaper to go directly to the insurance
company/agent.. even if the dealer would offer other "freebies" such
as leather seat cover, etc.... Most cars I quote are more than one year
old... If I quote brand new cars, we base the value on the actual
price. Anyway, just to come up with a value, I'll just assume that a 2005 Rav4
costs 1.2M. If my estimate is way off, I'll e-mail you another
quotation to satisfy your curiosity . :-)
|
Coverage |
BPI/MS |
UCPB |
|
Own
Damage |
1,200,000.00 |
1,200,000.00 |
|
Theft |
1,200,000.00 |
1,200,000.00 |
|
3rd
Party - Bodily Injury |
200,000.00
|
200,000.00
|
|
3rd
Party - Property Damage |
200,000.00
|
200,000.00
|
|
Passenger
Insurance |
100,000.00
|
100,000.00
|
|
Annual Premium |
29,852.10 |
23,849.29 |
Too bad, we can't cover your car... unless you're willing to make the
claim here hehehe... it's not like personal accident or life insurance where
the person is covered anywhere in the world... :-)
Di bale, nakapila na yan sa ise-send ko... premiums for pension plans, educ
plans (you don't really need to have a child to get one!) and life plans...
:-)
Nice to hear from u... congrats for getting a new car... ingat
lagi!
God bless you all! Regards na rin sa HS classmates na nasa US!
spurs <[EMAIL PROTECTED]> wrote:
hi
daniel,
yung P5,362.80 premium, monthly ba yon?
out of
curiosity, if its readily available on your notes, or would
NOT entail
you so much effort/time, how much is a comprehensive full
coverage
insurance for a 2005 toyota rav4?? ... just got one last
month, and
kamahal ng insurance ko... pero kung ire-research mo pa
or would involve
time on your part, don't even worry about... ok...
like what i've said
out of curiosity lang...gonna compare it here...
(unless they cover US
hehe)
hello everyone... i heard may 8.7 quake na naman sa
indonesia...
ingat na lang lagi...
--- In
[email protected], jun ramos <[EMAIL PROTECTED]>
wrote:
> Hi, Dave!
>
> Here are the quotations
for your car, one from BPI/MS and one from
UCPB. I pasted here a
summary:
>
> Unit: 1995 Toyota Corolla 1.3
XL
>
> Coverage
>
> BPI/MS
>
> UCPB
>
> Own Damage
>
> 120,000.00
>
> 120,000.00
>
> Theft
>
> 120,000.00
>
> 120,000.00
>
> 3rd Party - Bodily Injury
>
> 200,000.00
>
> 100,000.00
>
> 3rd Party - Property
Damage
>
> 200,000.00
>
> 100,000.00
>
> Passenger Insurance
>
> 100,000.00
>
> 100,000.00
>
> Premium
>
> 5,362.80
>
> 5,372.07
>
>
> The only major difference is the third party
coverage.
>
> In terms of claims, for BPI/MS, you have to
have the unit
inspected / appraised first (usually you'll just stay
around five
minutes only), at BPI/MS Calims Evaluation Center in Makati
or at an
accredited appraiser (like Toyota Shaw or Toyota Ortigas); then
they
or I will call you for the appraised value before you can bring the
car to the preferred shop. You can submit the docs at the shop
which appraised you. Yes, BPI/MS will issue first an LOA before
you
send the car to an accredited shop. If the shop you prefer is
not
accredited, we'll have to go for cash settlement. For UCPB,
you can
go directly to the shop and negotiate, as long as it is
accredited.
>
> Yes, for BPI/MS, Carsavers - Ziebart is
accredited. For UCPB, the
nearest accredited shop there, I think,
is Saturn Autospec, Inc. in
Pasig.
>
> Although the
important details are already there, I'll attach the
quotations just the
same for other info, like payment modes, etc.
>
> Thank
you uli, Happy Easter and ingat! As usual, the fastest way
I can
reply is through cell phone. :-)
>
>
>
Thanks,
>
> Daniel
> 0917-9177683
>
>
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