I was smiling when I saw the tweet of a friend this morning who is in the US. My friend C said that they just came back from car shopping with her husband. I tweeted her back and told her how lucky they are to do such shopping but she told me getting a car there is just so easy. If you have a work and have good credit score, you can just apply a loan at the bank and can get a car at any time, then pay your dues monthly.

Funny thing is that she even said it was just like shopping for shoes because it was so easy. hehe. Anyway, she said they already have 3 cars in their possession and I'm sure they all have auto insurance papers on all of them just in case.

These days, we can already consider having a car as a necessity rather than just pure luxury. I know not every individual or family can afford to buy one but for those that require going out frequently due to work or business, owning one can be advantageous in the long run.

Just imagine all the hours that you’ll be spending just to catch a bus, train, jeepney or other means of transportation when in fact you can already use the hours wasted in being productive. Add the tremendous traffic and your day will be gone in blink.

Hiring a vehicle can be expensive as well so if you have the means, save money so you can buy your dream mitisbuhi, or honda. And if you already have a car and seeking for more styles why not check out this mini Fiat. There are great reviews online about this three-door hatchback. Hybrid cars are also getting good raves because of their aerodynamics and stylish looks.

We used our van going to the church this morning and we kept on whining because it’s hot inside eventhough the aircon is on. Yay, so we had no choice but to open the windows to let the air in. My bro needs to have it check asap since its uncomfortable to drive w/o ac on. Mom also dreamed of owning a new vehicle and this time she wants a Crosswind. Not so sure where she will get the money to buy but for sure she has some savings that I didn’t know.

Yey, I hope by next year we’ll have a new vehicle already (keeping our fingers crossed). I guess my bro would want to have it customized as well. He’s been seeing nice tail lights, dash kits and truck grills on his friends’ vehicles and I know guys love to dress customized their cars.

This is not an easy question to answer. While in the negative it can always be said that you should not just stick with cheap third party coverage, it is not easy to say exactly what you should cover. Should you do collision coverage as well as comprehensive, or should you only retain collision coverage? There are also other types of coverage like GAP, and you should have some knowledge about all of these, and your particular situation, before deciding how much coverage to buy.

If a car is so old or so badly damaged that it will cost more to repair it than to buy a new one, its owner should, or should have, bought gap coverage. If you consider the likelihood of natural disasters in your region to be low, you may choose to opt out of comprehensive coverage. Collision coverage, however, is a must, because when an accident takes place, that is what cars do, they collide. This has more chance of happening to a car than its getting stuck by a lightning bolt, for example; so, in order to gamble less but gamble sure, collision coverage is a must.

If your region has a tendency to produce various so called "acts of god," like floods, tornadoes, lightning and what not, you will want to consider comprehensive coverage. This takes care of all non-collision accidents like the ones mentioned above.

Finally, it all depends on your particular situation; there are no preset rules about it. The best way to go? Find out a good car insurance agent who talks straight, then talk to him. He will be able to help you out best with how to make a choice in buying coverage.