Car Insurance

[Cloggie]

Bought my Toyota Prerunner in July 2006 for TB 733,000 / market value today according to my quotation = TB 380,000

I use The Viriyah Insurrance and went to their office at Sukhumvit / Pattaya

Have now 50% discount and have to pay TB12,292.12 for all risk or TB12,937.33 for all risk + compulsory Insurance

If I do "Fix driver (myself)" I can lower it from TB 12,292 =>> TB10,658

Questions:

I noticed on the quotation "Repair Store", any idea what this means (Toyota repair <> any shop)?

What else can I do to lower the price?

Is 50% discount the maximum you can get?

Does it make sence that I still want to use all risk?

Thanks for any reply

Cheers,

Cloggie