Ah ok...pwede naman i-contest kung di mo kasalanan yung fender-bender mo e...I have a work-mate na binangga yung Acura nya tapos call sya kaagad sa Personal kung tataas yung premium nya dahil nabangga..tanong lang kung kasalanan nya and if not ay hindi. So ayun, ganun pa rin yung insurance nya.
Yupyup, nasa bank pa si Laarni... Mababang mortgage? Try getting from AIG, kasama sa mababang rates e pero TD offers one of the best rates. Why don't you try getting your mortgage with the bank attached to the builder? Madalas may cash back sila or lower rates. Try getting a 5-7 year fixed rate para safe ka sa pagtaas ng rates. Oo nga..tahimik si Debbie... Joon -----Original Message----- From: crandzfv01 <[EMAIL PROTECTED]> To: [email protected] Sent: Sat, 02 Apr 2005 13:52:53 -0000 Subject: [4c-math94] Re: 2005 Toyota Rav4 Insurance Premium oo nga... 3 years old na car ko, so malabo mapapalitan ng mas bago antime soon, kasi tataas lalo insurance... casualty kasi nung winter driving ... meron akong fender bender, merong car na nag-slide along woodbine, nadamay ako... hindi naman ako at fault pero tumaas pa rin insurance ko...(it was $350 nung unang bili, then bumaba ng $300 a month then nagmahal na nung may accident)... dapat talaga isinettle ko na lang privately... di kasi ako tiwala sa nakabangga, baka takbuhan eh... saka I drive 37km one way to work (Toronto-Markham).. malapit lang yata drive mo so lesser risk, lesser ins. premium... nasa bank pa ba si Laarni? musta na... ano pinakamababang mortage rate ngayon? marami na naman galaan ... malapit na spring and summer... si Debbie masyadong quiet ngayon a... musta na spousal sponsorship? Randy ... --- In [email protected], [EMAIL PROTECTED] wrote: > Huh? Mahal naman... > > Nasa The Personal ako and nagrereklamo na ako sa C$275 a month ko...it > was only C$250 last year for the new car tapos tumaas pa after a > year...labo nga e... > > > > -----Original Message----- > From: crandzfv01 <[EMAIL PROTECTED]> > To: [email protected] > Sent: Thu, 31 Mar 2005 02:25:24 -0000 > Subject: [4c-math94] Re: 2005 Toyota Rav4 Insurance Premium > > > > Joon, > > ano insurer mo? nasa Royal Sunalliance ako mahal ng premium, > naghahanap ako ng mas mababa..... > > my insurance for sentra gxe'02 is C$6K per year (approx c$550) per > month! > > Randy ... > > --- In [email protected], "spurs" <[EMAIL PROTECTED]> wrote: > > > > randy and lucky.... tama kayo... mura na tong nakuha ko... > > i did canvass naman before getting this... at naupod finger ko sa > > kakadial sa mga insruance... at ito na ang pinaka best deal... > > mura nga pero syempre mahal pa rin... ang mahal din pala ng > insruance > > dyan sa canada no... > > > > actually with my old car, dodge neon, nung bago pa lang ako dito... > > i started at $175/mo to think used car na yon 3 yrs ago... kasi > dito > > diba may mga points/ratings... like yrs US driving exp, civil > > status, age, degree holder, etc... pero unti unting bumaba yon > > hanggang naging $64/mon... ngayon bago yung car... akyat ulit sa > > $104... though i got as high as $175+ quotes from others... > > > > > > > > --- In [email protected], [EMAIL PROTECTED] wrote: > > > Progressive ata ang mura sa US > > > > > > -----Original Message----- > > > From: JCR <[EMAIL PROTECTED]> > > > To: [email protected] > > > Sent: Tue, 29 Mar 2005 20:38:22 -0800 > > > Subject: Re: [4c-math94] Re: 2005 Toyota Rav4 Insurance Premium > > > > > > hey Rommel, > > > > > > pasalamat ka sa insurance mo... here sa toronto it starts at > > $200 and > > > up, average car insurance mura pa (nakapamulubi talaga.... ) > > > check mo kinetics or canvass ka, mas mura daw yata sa Geico (pag > > US)... > > > tapos 83cents gas ngayon! > > > > > > ..Randy .. > > > ----- Original Message ----- > > > From: spurs > > > To: [email protected] > > > Sent: Tuesday, March 29, 2005 2:43 PM > > > Subject: [4c-math94] Re: 2005 Toyota Rav4 Insurance Premium > > > > > > > > > > > > wow daniel, bilib ako sa yo... everready battery ka... > > > awesome, that means you really know what you are selling... > > > a sign of a good agent... kung andyan lang ako, > > > sayo ako kukuha eh... mas mura nga talaga dyan... $104/mo > > > dito... Thanks for the info!! > > > > > > but anyway, cge im kinda interested for the pension plan, > > > i'm thinking of getting one for my mom... find me a good deal ha? > > > if u need info let me know... > > > > > > > > > > > > --- In [email protected], jun ramos <[EMAIL PROTECTED]> > > > wrote: > > > > 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 > > > > > > > > > > > > > > > --------------------------------- > > > > > Do you Yahoo!? > > > > > Make Yahoo! your home page > > > > > Yahoo! Groups SponsorADVERTISEMENT > > > > > > > > > > > > > > > --------------------------------- > > > > > Yahoo! Groups Links > > > > > > > > > > To visit your group on the web, go to: > > > > > http://groups.yahoo.com/group/ust-ehs1990/ > > > > > > > > > > To unsubscribe from this group, send an email to: > > > > > [EMAIL PROTECTED] > > > > > > > > > > Your use of Yahoo! Groups is subject to the Yahoo! Terms of > > > > Service. > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > --------------------------------- > > > > > Do you Yahoo!? > > > > > Yahoo! Small Business - Try our new resources site! > > > > > > > > > > > > > > > > > > > > > > > > Ask our other classmates to subscribe, tell them to send an > email > > > to: > > > > [EMAIL PROTECTED] > > > > > > > > > > > > > > > > > > > > Yahoo! Groups SponsorADVERTISEMENT > > > > > > > > > > > > --------------------------------- > > > > Yahoo! Groups Links > > > > > > > > To visit your group on the web, go to: > > > > http://groups.yahoo.com/group/4c-math94/ > > > > > > > > To unsubscribe from this group, send an email to: > > > > [EMAIL PROTECTED] > > > > > > > > Your use of Yahoo! Groups is subject to the Yahoo! Terms of > > > Service. > > > > > > > > > > > > > > > > --------------------------------- > > > > Do you Yahoo!? > > > > Yahoo! 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