Feeling Ferrari

7 October

At the very beginning, my husband wanted to buy one for me and the baby (we already know the gender but will reveal in a separate post!). I was hesitant because I didn't think we can afford it. But we thought about it again and again and finally I said yes to it - it's not really a luxury anymore but a necessity for us, especially with the delicate condition that I'm in. I can't ask my father to drive for us everywhere everytime.

Actually, before my last check-up we checked on some cars that were included in a dealership promo in Megamall around mid September, I think. So we had a fair idea how much the cars are in the market. After comparing each and every car that we think fits our budget, we finally decided on the brand and make. I then inquired with a bank on their car loan. Fortunately, we can pay out the monthly amortization they are offering and the downpayment we had to pay. After my inquiry, everything was done in two weeks' time. By the last weekend of September, we were looking at a car dealership to see what color we wanted. Yes, we actually decided on which car to buy first before looking into an actual car hahaha! My husband wanted to get a red one because he is a Ferrari fan (my only reminder to him is HE'S NOT AN F1 DRIVER so he can't drive like one! hahah!) while I wanted to get the more subdued light blue.

Hubby "riding" the blue one

Did we get this color?

Or the fiery red one? (Isn't it obvious from the title? hehehe)

By the end of September, we have submitted our application form to the bank, together with the other required documents (copy of IDs, certificate of employment and ITR). The following weekend, the bank was already done with their credit investigation of us, they have confirmed with my employer that I am indeed employed with them.

Hubby signing all the papers for the bank

Come the following week, the bank had problems contacting my husband's employer - grrr! Turned out they only verify employments on Thursdays! So the bank had to wait until Thursday for my husband's employment verification before they can send the purchase order to the car dealership.

But even before Thursday, I had already reserved for a car color, seat cover color and the tint. I had also paid for everything that's needed to be paid (DP, 1st monthly amortization, insurance, LTO registration) and we had chosen the ending plate number (extra charge for the number we chose). So when the car dealership got the PO, they delivered our car on the same date! We were ecstatic!

Unfortunately, my husband had some problems getting his license...but that's another story to tell.

Buying a Car

The hubby and I are commuters. We don't have our own car. We're actually thinking of buying a car since it's not really a luxury to have a car anymore but a necessity, I believe. It's hard to stand in the rain to wait for a jeep or a bus, it's hard to ride the MRT especially during rush hour. The hubby wants us to buy a car before we start planning on having a baby. He doesn’t want me commuting while I'm pregnant. We are saving up to buy one, even looking at used cars if we can't afford to buy a brand new one. The problem is we both don't know anything about cars, well except for Formula 1 cars. So it might be a problem if we settle to buy a used car. It would be nice if we personally know the previous owner of that car. At least we'll know if the car is well maintained or if they use it for city driving only. We'll see.

Drive Me Crazy

I don’t drive anymore because I don’t have a car. But two years ago, I was able to drive my father’s car. I didn’t have the courage to drive it before we renewed the insurance coverage for it. It was actually a good thing that it was covered because the first time I drove it on my own (I usually drive with my brother with me so he can guide me) I bumped the car and worst I was about to park it already. Imagine that! I was able to drive it from our house, ply a major highway and get to our destination but when I was about to park I bumped it with another car that was parked there. Gah!

I’m hoping to buy a car of my own maybe after a year or two. And of course I have to buy insurance for it as well. I can search for online car insurance. I don’t need to leave the comforts of my home or call several insurance companies to get a quote. I just need my computer and an online connection. This site is really helpful because they have several articles regarding cars like the 10 easiest cars to get insured or the 10 most stolen cars. Aside from car insurance they can also quote home insurance, life insurance, health insurance and renter’s insurance. But of course the site specializes in car insurance. They have a thorough guide that gives all the information to help you to get lower premiums for your car insurance. The site is mainly for United States based residents and they give in depth information for every state in the US. Now if you still have questions that are not answered in their site, you can simply fill out their form to ask them your question. They guarantee that an insurance expert will answer your query within 24 hours. They also quote the lowest insurance rates and all of their quotes are for free. You can compare them and then get insured. They need to ask you a few questions regarding your car or your driving skills but you need not worry because all of these information are kept confidential.