Isa pa pong question, this time regarding comprehensive insurance. The casa quoted 35K (Malayan Insurance) and 30K (Fortune Insurance). OK po ba ito? Parang mahal kasi, especially yung Malayan. This is for the Jazz VX.

I'm considering getting insurance directly from an insurance company. My questions are:

1) Any insurance companies you can recommend?
2) Can I get from any insurance company, or does Honda have a list of "accredited" or "recognized" insurance companies?
3) Are comprehensive insurance policies standard, or ibaiba pa yung terms? Kasi if this is pretty standard, price na lang ang titingnan ko. If they're not standard, what are the things I should look for?

Also, if it matters, I bought the car in cash, so hindi ako dumaan sa bank. Thank you in advance for the help!