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Showing posts with label Car. Show all posts
Showing posts with label Car. Show all posts

Driving Up Efficiency

For most of us at least, driving is something of a necessity. Whether we’re part of the daily commute, dropping the children to school or carrying out errands without our cars we’d all be a little lost. That doesn’t mean we don’t find it an expensive necessity. What with the cost of insurance, petrol and not to mention wear and tear, running a car is quite the investment. That’s why a small saving here or there pays dividends. Watch them add up and year on year get the cost of your motoring right down. We take a look at cutting your driving costs, without cutting corners.

Photo from Pexels

Fuel

Making your fuel go further isn’t just about finding cheaper pumps, it’s just as dependent on making your car as fuel efficient as possible. There are quite a few ways you can achieve this: always have your tyres inflated to the correct pressure. Flatter tyres cause drag which in turn forces the car to use more fuel moving them forward.

You might also want to consider opening a window, rather than cracking up the air con. One of the worst culprits for fuel consumption, air con burns through petrol. This only applies at lower speeds, at higher speeds the drag from an open window takes effect.

Finally, remove anything extra that’s weighing your car down. Take off the roof box or luggage rack and clear the boot. Making your car lighter will help it become more efficient and not have to work quite so hard to keep you moving.

Insurance

Quite simply you need to shop around and find out what the average car insurance cost is. Then look to beat it on price comparison sites and so on. You might even find talking to a broker scores you a cheaper deal with some extras thrown in.

Whoever you choose to go with for insurance, you’ll need to make sure that you read the small print. As time consuming as this is, this is where you’ll find out that your amazing deal is cheap for a reason. Check that you’re adequately covered when driving abroad and if you’re entitled to any legal/breakdown assistance in the event of an accident. 

Lastly, shop around. Save up and use supermarket offers on fuel and look for online offers, such as Groupon, for servicing that keep your car in great condition. The more efficiently it runs, the less fuel you’ll be wasting. Learn to drive smoothly and avoid over accelerating, come to a halt and speed up again slowly and think about your road position to reduce unnecessary mileage on your clock.  Try and drive in as high a gear as you can. Keep your vehicle light and the tyres pumped up for better performance and less cash spent out.

Shop around for great insurance deals but make sure you know what value you’re getting for your money when you sign on the dotted line.

Driving is necessary but expensive, use these tips to reduce your costs and you’ll be cruising into a fuel efficient future.

4 tips to getting the best car insurance provider in the Philippines

Photo from Pixabay

Getting a car insurance in the Philippines is imperative for every car owner. In fact it's mandatory by law for vehicle owners to secure a CTPL insurance as a prerequisite to LTO motor vehicle registation. There's no denying the benefits of having one though. Car insurance helps offset a huge amount of damages whenever an incident occurs. Depends on the coverage of your policy, you may get benefits for accident and death, get legal fee provisions, get repair coverage, and many more additional add-ons.

But where do you begin? Here are 4 tips you may find helpful in getting a car insurance policy in the Philippines.

1. Get a reputable provider
A good way to look for reputable providers is to really just ask around. There are tons of non-life insurance companies in the Philippines and some of the most popular ones are Asian Life, Malayan Insurance, FPG, and BPI/MS.

A reputable provider is one that has a good track record in handling applications and processing claims. This means whatever you apply for with them is delivered on time and with minimal hassles.


2. Compare with other providers
I found that the easiest way to shop and look around for insurance companies is to go online and request for a free quote. Sites like MoneyMax.ph and eCompareMo.com offer real-time car insurance quotes from different providers that would help you decide which one to get. It's also a good way for you to get savings of up to ₱10,000 depending on your car model. Getting a quote is easy. All you have to do is go to the website and fill out a form describing your car and current insurance company. You'll be asked for your vehicle brand, the year, model, and series, as well as the region and city where your car is registered. And that's it, in just seconds you'll be greeted with a page filled with a list of insurance companies that could cater to your needs.

3. Learn how to process claims
Should you get into an unfortunate incident, it's important for you to know how to go about processing an insurance claim. The easier, the better. Some insurance companies may appear more strict than others, but basically the official documents you would need to file a claim are as follows:

  1. Police Report or a Notarized Affidavit
  2. Driver's License with Official Receipt (photocopies)
  3. Your vehicle's LTO OR CR
  4. Photos/videos of the damage/s to the car with the LTO plates of the vehicle
Make sure to always have the number of your agent or insurance provider handy because they should know about any incident immediately.

4. Look for reviews and feedback
Aside from getting competitive quotes online, it also helps to look for reviews and feedback from actual customers. From the list of providers you got from your online search, try to narrow down your list based on price point and amount of coverage, then dig deeper into these companies by looking for customer feedback online. To help, join local car groups in Facebook or online forums.

It's bad enough that you got into an accident, but to be faced with a lengthy claims process because of a lack of system adds more frustration to your situation. Get a can insurance provider that really cares about its clients and wouldn't make it so hard for you to have your car repaired or checked.