Compare car insurance


When you’re looking for car insurance, sometimes the easiest way is to ask around and go with what your friends recommend, or the company whose commercial you frequently see on TV or the internet. If you're looking for the best bang for your buck, however, this isn't the best way to go about it. 


Insurance companies have different rates and coverage plans, so shopping around is essential to get the best deal and the proper coverage and service for you. But before you go calling each insurance company, you must know what questions to ask so you can get the best deals.

If it’s your first time getting car insurance, keeping in mind the 3 questions below can help you in finding the best insurance coverage and policy that suit you.

The kinds of coverage: Which do I need? 

In most cases, countries or regions only require liability insurance. The liability insurance covers the costs of anyone injured or dies because of the car crash caused, plus damage to their vehicle, and other property damage.

Personal accident coverage. This is a coverage that provides medical and hospital benefits for the driver of the insured car, as well as its passengers.

Third-party liability coverage. Also called excess liability or excess casualty insurance, this kicks in when the insured car gets in an accident with another vehicle. Two underlying benefits include coverage for bodily injuries and property damage.

Own damage and theft coverage. Own damage and theft car insurance coverage covers you from risks of car napping, vandalism, theft or parts, fire or external explosion, and damage to your car while in transit. Something that will be handy if you drive the streets of Manila.

Acts of nature. Being in a country where it constantly rains, who knows when flood can come? Unexpected floods can surely destroy some mechanical parts. With this handy, you are covered against floods, storms, earthquakes and other forms of force majeure events.

Add-ons/riders. A comprehensive car insurance plan has some additional benefits that are optional, including roadside assistance, towing services, or just when you get locked out of your car in the middle of nowhere.

Be careful when choosing insurance coverage because you might end up having too little or too much. Considering the coverage that fits your lifestyle will definitely help you choose a better plan.

Risk assessment: What is it? 

Insurance companies will give you an insurance rate based on several factors that comprise how much of a “risk” you pose to the company. The risk you pose, the higher your rate will be. It usually depends on your age, sex, driving record, criminal record, credit rating and where you live. Are you an experienced driver or a young adult? Younger male adults tend to pay more. If you’re a reckless driver, you’ll pay more. You can shop around and compare car insurances that offer the most favorable rate for you.  

Policy: What kind should I get? 

A policy is a contract of insurance. The kind of policy you get should depend on your choice of coverage, type of car, and how old your car is. While you’re at it, you can also find out what your deductibles will be, or see if you are qualified for their discounts and offers. This is something you have to inquire about because these promos change periodically.


Car insurance isn’t something you get in a heartbeat. It takes thorough research and understanding to help you realize the necessity of having car insurance.


Looking for the best car insurance for your needs? Let GoBear help you find the one for you. Compare car insurance with GoBear today!