I bought a Honda City too 6 mths ago.
Age:26+
2nd Car
NCD: 10%
My insurance: $1300 from SHC Capital (a subsidiary of HSBC)
Anyway. if you are not really particular about the firm u are
getting from, I suggest you could get those agents who can source
quotes for you from different firms, that way u can compare the
prices.
My first insurance I bought is AIG that costs me $2600. I now think
it is not worth it. Do you really need such an expensive one? My
take is that you only claim insurance when you are in a serious
accident when the damage to your car or the other party is really
really alot. If the damage costs me only $1000 or even $2000, i
would rather pay out of own pocket. Because if you claim, your
premium is gonna shoot sky high. So the only time you need to claim
insurance is when your damage is damn jialat like maybe $5000+ and
frankly how many times would you get into an accident that requires
you to pay $5000? You would have to really get into a serious
accident. Thus, just drive safely and I think even if got accident,
the costs wun be too much. Like for me, I got into 2 minor
accidents for the past 2 years, $120 and $300.
Thus, I feel I just get the cheapest one with comprehensive
coverage and drive as safe as you can.
