You just bought your new car, from the toughest Philippines car sales in town, now what’s next? You want to make sure that your brand new car running on the Philippine roads is safe all the time. What do you want to do? Of course, get a car insurance.

Before you learn how to save on car insurance you must understand what the auto insurance and why you need it.

Car insurance is an important and a vital factor involved in order to keep your car running at the road. Having car insurance is the law if you own a vehicle. Driving without car insurance is illegal in most parts of the world.

Insurance Coverage

Most people understand that car insurance is the protection a driver has in case of an accident, but did you know it is actually divided into five different sub-categories of coverage. Your auto insurance generally provides property, liability and medical coverage.Property coverage pays for damage or theft of your car.Liability coverage pays for your legal responsibility to others for bodily injury or property damage.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.By tailoring your coverage to what you actually need and then shopping about cautiously, you can get the cheapest car insurance rate possible. That’s why you should explore insurance coverage before you buy your car. Auto or car insurance is also affected by your age and your maturity. Insurance companies and brokers provide free online rate quotes
that allow you to easily compare costs and coverage.

Saving on car insurance. Top Tips

Whatever your budget, car insurance is something you don’t want to waste extra pennies on. Cheap car insurance is not exactly easy to find, and you may have to build your reputation over a few years. Insurance companies usually offer some kind of discount to those drivers who have a claim-free record, so it becomes financially prudent to drive carefully and avoid accidents.Insurance rates are reduced for vehicles with extra safety equipment, such as stability control and side air bags. Insurance companies typically raise rates after only a single accident, assuming that other accidents will follow. Insurance rates for expensive luxury cars are considerably higher than for economy compacts. One of the easiest paths to cheap car insurance is to increase your deductible — the amount you’re willing to pay out-of-pocket when you make a claim.Another way to ensure the cheapest car insurance is to get all your insurance products from the same company. The best method to save when buying car insurance is to take an
online quote. It is free, fast – takes less than 5 minutes and it can save you hundreds of dollars.

Stay tuned for more Philippine car tips!

How to Buy a New Car

This would be a series in helping fellow Filipino car lovers in buying their first car. I know the for a fact that when we try to do things for the first time, we might screw up. Screw that mentality, we’ll help you get the best deal for you with simple guidelines in buying cars in the Philippines.

This will be a series of guide for all so always stay tuned.

Buying Your New Car

Think about what car model and options you want and how much you’re willing to spend. Do some research. You’ll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal.

Consider these suggestions:

• Check publications at a library or bookstore, or on the Internet, that discuss new car features and prices. These may provide information on the dealer’s costs for specific models and options.
• Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons.
• Plan to negotiate on price. Dealers may be willing to bargain on their profit margin, often between 10 and 20 percent. Usually, this is the difference between the manufacturer’s suggested retail price (MSRP) and the invoice price.
• Because the price is a factor in the dealer’s calculations regardless of whether you pay cash or finance your car — and also affects your monthly payments — negotiating the price can save you money.
• Consider ordering your new car if you don’t see what you want on the dealer’s lot. This may involve a delay, but cars on the lot may have options you don’t want — and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs.

Now that you know these suggestions, please take the time to reflect about it and we’ll post some more guides that will help you in buying cars in the Philippines.

Selling cars in the Philippines is one of the toughest situation that you can be in. Why? Because people doesn’t want to spend money due to economic crisis, people want to get only the BEST deals and get their money’s worth when buying a car in the Philippines.

In this article, you’ll get to prepare your car to make it look and fit like the perfect buy for your buyer. Hopefully 0% buyer’s remorse on their part.

Selling a Car Tips

Do you need to sell your car? How do you intend to sell your car – confidentially, with a public sale, to a Dealer, or a TradeIn? What is the value of your car? How do maximize your earnings from the car?

General Guidelines

Decide the timing of your sale – do not attempt and sell following Christmas or past a number plate modification. It is best to sell the car when it has a comparatively low mileage (below 42,000 for 3years Used Car). For older cars, it is important that the vehicle is in good condition at the time of sale, and has a clear history. You will need to present all applicable papers, so retain them in a file. Log book, MOT certificate, handbook and any receipts for repairs and spare parts.

Trading your car in

This is a fast and moderately simple way to sell your used car. It is useful to keep your car in glowing condition first – wash, clean and check.Often it appears like the dealer is giving you a good price for your car, except that they may be paying for it by increasing the price of the car you are buying. Get quotations for a new car from multiple dealers, some with the tradein and some without the tradein. Compare the quotes to see what you are really being offered for your car.

Selling to a Dealer

This is a quick way to sell your car. However, the price you obtain will not be as good as advertising privately.

Selling by Auction

This is a quick way to sell your car. You must place a reserve price or otherwise your car could potentially be sold for as small $50. The auction house will get 10% of the earnings from the sale.

Selling Privately

This is the best method to get a good price for your car, however it is not hassle free. You want to choose where to sell, how much to sell the car for, and how to reach an agreement with prospective buyers.

Advertising

• Make and model of the car
• Age of the Car
• Mileage
• Condition
• Colors
• Any Addons
• Number of Previous owners
• Service history Length of tax/ MOT
• Photo – taken in light of day with neutral surroundings
• Price
• Area you live

Preparing to sell

• Clean the car inside and out – this can increase the value by hundreds of dollars!
• Swab the car with good car shampoo, wash and dry with a chamois.
• Shine the car – fine Tcut.
• Find an expert cleaner if you do not have the time or inclination necessary to clean the car well.
• Clean the instrument panel, windows and upholstery.
• Vacuum carpets and replace older, ragged mats.
• Do some maintenance – restore bulbs, retouch scratches, restore damaged windscreen wipers.
• Top up the oil, coolant, screenwash and brake fluid. It may also be useful to change the oil if the car has not been recently serviced.
• Restore wheel trims. If the car has alloy wheels, make sure they are spotless.
• Some expert trimmings could be distorted, for example racing steering wheels, gear knobs or alloy pedal covers.
• The entire above highlight that the car has been wellcared for, which is what buyers like to see.

Dealing with potential buyers

1.You will have to be ready for timewasters, and people that do not revert to you.

2.You also need to be alert that your car may be a target for thieves, and get needed safety measures.

3.People will need to test-drive the car – do not let them go alone, plus if you are a woman it may be safer to take a friend.

4.On the trial drive, permit them to take their own route.

5.Be ready to negotiate a price. It may be better to take a little less, than to risk not selling at all.

6.Be patient – it is common for buyers to acquire expert advice before making an offer, but it shows that they are truly involved.

7.If possible, get a deposit and put a time limit till when the deposit would be refunded (in case the buyer backs out from the offer).

8.Get the details of the buyer – name, address and landline telephone number. It may be safer to inquire for an ID to verify this.

9.Cash payment / banker’s cheque is safest and simplest. However, if you are given a personal cheque, wait for the cheque to clear before handing over the keys and title to the buyer.

10.Fill out and complete the essential rules and regulations to update the DMV that you no longer own the car and are not responsible for any damages.

Also, watch out for Philippines car sales occasions, exhibitions so you can sell your car more. Expose your car to a lot of audience. Good luck!