Choosing a car insurance plan

For car owners, do you have a comprehensive car insurance plan? Honestly, we don’t. When we first bought our car, that’s the only time that it has a comprehensive insurance but after 3 years, we only have TPL or Third Party Liability insurance plan which is required by the LTO for the car registration renewal.

We are always considering to avail one but we still can’t decide what insurance company is good. I’ve found one car insurance that targets lady car owners, Pink Wheels, tempting benefits too but I will let Jeff decide what car insurance plan he fancies. Besides, I can’t understand all the manly jargons such as extended warranty, manufacturer’s warranty, 5th wheel warranty, mechanical breakdown insurance, etc…

LTO Car Registration Renewal: requirements and expenses

It’s the time of the year again when we have to pay for the car registration renewal in LTO. Honestly, the LTO should have an option for the car owners to register their vehicles for 2 years, 3 years, etc… So that we won’t have to go yearly to the LTO and undergo the same process over and over again. I listed the documents needed for car registration renewal and our expenses for this year.

Documents required for renewal of private vehicle registration are:

1. Original copy of Certificate of Registration and last year’s original Official Receipt of payment

2. Insurance Certificate of Cover or Third Party Liability (TPL) insurance – paid Php 970

3. Emission Testing, go to an accredited testing center. In LTO Las Pinas, you can find the Green Star Emission Testing inside the LTO – paid Php 415

4. Motor Vehicle Inspection Report form – you can download this form at the LTO website

The vehicle registration fee depends on the year and make of your car, in our case, we paid Php 2,629. A total of Php 4,014 spent on car registration renewal.

Car registration at the LTO is fast and orderly, you can finish the whole procedure in 2 to 3 hours. No need to deal with fixers.

Comodo SSL