Tag Archives: car insurance

The most annoying vehicles on the road for other drivers?

the most annoying vehicles on the road - car insurance

So you’re a safe driver, you take a defensive, calm and controlled approach when driving, you get your car checked every year for problems and you have comprehensive car insurance just in case you get into an accident. Yet every time you go out for a drive you are bombarded with reckless and annoying drivers all around you that make you feel like no matter what you do, you will still have to deal with annoying vehicles and drivers. Let’s take a look at some of the culprits that make so many Filipinos drivers annoyed each day on their way too work.

 

The Bus – Go to many other countries and buses are extra well behaved on the road. But here in the Philippines these guys have mastered the skill of annoying other drivers on the road with their constant lane changing without care or concern to vehicles and motorists around them. Driving behind a bus often means trying to see through a black cloud of smog every time they speed off and it can make your head spin as you watch them swerve sideways back and forth across several lanes almost causing a pile up just so they can beat the rival bus next to them to pick up passengers. When you’re the size of a house and you could cause complete destruction to smaller vehicles around you, why bother signalling and letting other vehicles pass before you start turning? Buses deem the most effective way of changing lanes is to just do it! Drivers who frequent EDSA and other major roads around Manila will be used to the scenario of watching their side windows suddenly fill up with the view of nothing but bus, inches away from you as they have decided it’s time to turn and you need to get out of the way. You could of course hold your ground and not budge, knowing the bus is suppose to wait for you to pass before they turn but most drivers around the city know it’s best to just get out of the way or run the risk of being side swiped. A more intensive training and licensing for bus drivers is something most of are hoping for in the future.

 

The Taxi – Taxi drivers are fearless on the road and their long hours (often 24 hours of continuous driving) and high expenses means they’re often in a rush and in a bad mood, making the perfect recipe for an overly aggressive driver. Taxis will cut you up before you even saw them, they’re fast and nimble and seem to be able to fit into gaps that you thought didn’t even exist. This of course means you’re often left waiting while all the taxis ninja around you into any potential spaces you thought about moving into.  When you see a gap or an opportunity to gain a few hundred meters of ground through the heavy traffic, you can pretty much always guarantee a taxi will beat you to it.

 

Trucks – Much like the bus, they seem to forget how big they are and how much damage they could cause to the surrounding vehicles if something went wrong. Also for some reason trucks are usually the vehicles that block junctions. When the road to your side is filling up and your thinking it’s going to be your turn now to pass through the junction, forget it, the truck thought it would be a good idea to keep driving and sit in the middle of the junction waiting several minutes for the traffic ahead of them to clear while blocking all other vehicles and roads from passing.

 

Remember when driving, if you find yourself becoming flustered or hot headed because of the constant threats to your safety and sanity caused by reckless drivers it bests to pull over at a gas station or somewhere safe and just freshen up for a few minutes. Drive safe everyone.

 

Cheap Car Insurance Tips For Lower Quotes

tips for filipinos for cheap car insurance quotes

Ever wonder how you can lower you car insurance payments without removing useful features from your policy? Here we explore some common tips to help you get the best quotes from car insurance companies.

Driving is a privilege and it feels great to get behind the wheel of your own car and have so much freedom to go where ever you want. The downside of cars is the cost. The car itself, the gas and car insurance can be a heavy burden on your wallet. Here are some tips from Money Monster on how to get cheap auto insurance in the Philippines.

Trim down your coverage for cheaper premiums

When you’re looking for cheap car insurance quotes one of the easiest ways to lower your premiums is to decrease the level of coverage you have. Fully comprehensive car insurance offers the most coverage but is also the most expensive. It’s great having lots of free perks such as 24/7 road side assistance and complete protection for your car against accidents, fire and theft or getting a free rental car if your main vehicle is in a repair shop. But remember, each extra piece of cover will add pesos to your total premium each month. To help lower your monthly payments try losing some of the items in your policy. You can consider removing cover against minor damages and injuries, If you don’t need free medical care, remove that from your policy. If you don’t need an allowance for transport when your car is in for a check up, remove that too. The more you remove from your car insurance policy, the cheaper your monthly premiums will be but think carefully before doing so as you might regret it if you actually get into an accident.

No claims discounts on your car insurance

Insurers really love drivers who never crash as this makes you a much less risky policy holder in their eyes. Many Insurance companies will reward you for each year you don’t make any claims, known as a no-claims discount (NCD), they doing this by giving you up to 10% discount on your premiums each year. It really does pay to drive safely, after 3 years of making no-claims, you could be enjoying up to 50% discount on your insurance quote. This can add up to big savings each year!

Insurance policy excess payments

Choosing a higher excess payment level could really help you find cheaper car insurance. Excess payments are what you will pay the insurer if you get into a car accident. For example if you crash and the damages to your vehicle are 100,000 pesos and your excess is 20,000 pesos, this means you will pay the insurance company 20,000 pesos and they will pay the remaining balance to have your car repaired.  On the other hand if you get into a minor fender bender and the damages to your vehicle are just 15,000 pesos this means you will pay the full amount as it is below your excess payment of 20,000. If you rarely get into accidents and you’re a good driver then setting a higher excess payment level will help lower your car insurance quote, meaning you pay smaller premiums each month.

With the above points in mind, using our money monster car insurance comparison tool will help you find and compare the cheapest car policy quotes available for you.