What to Do After Buying a Used Car in the Philippines

So you finally bought a used car—congratulations! Whether it’s your first car or your next upgrade, it’s a big step that offers freedom, flexibility, and convenience. But before you hit the road for long drives or daily errands, there are a few important steps you shouldn’t skip.

Here’s a step-by-step guide on what to do right after buying a used car in the Philippines, from legal paperwork to basic maintenance and safety tips.

Transfer Ownership Properly

Why it matters: The car may be in your hands, but until the ownership is legally transferred to your name, it’s not truly yours. This process protects you from potential problems later on, like traffic violations committed by the previous owner or complications when renewing registration.

What you need:

Notarized Deed of Sale
Original OR/CR (Official Receipt and Certificate of Registration)
Valid IDs of the buyer and seller
PNP-HPG Clearance (secured through the Philippine National Police - Highway Patrol Group)
Updated CTPL insurance
Your Taxpayer Identification Number (TIN)

Once you have everything ready, head to the LTO (Land Transportation Office) to complete the transfer. You’ll also go through vehicle inspection and pay applicable fees.

Tip: Try to do this within 30 days of purchase to avoid penalties or delays.

Secure or Update Car Insurance

Why it matters: Car insurance is more than just a requirement—it's your safety net in case of accidents, theft, or damage.

Even if the car already came with CTPL (Compulsory Third Party Liability), it’s worth considering comprehensive insurance for broader protection.

What to check:

Is the CTPL still valid and under your name?
Do you want coverage for collision, fire, or theft?
Does the insurance provider offer roadside assistance?
Shop around for quotes from reputable insurers, especially if you want to customize your coverage based on your driving habits and vehicle type.

Check and Refresh the Car’s Maintenance

Even if the car looks and feels “okay,” it’s best to assume the car needs a little TLC after switching hands.

What to inspect:

Engine oil and fluids: Replace old oil, top up brake and transmission fluids, and check the coolant.
Brakes: Have a mechanic check pads and rotors for safety.
Tires: Look for uneven wear, low tread, or underinflation.
Battery: Check the terminals and condition—especially if the battery is over 2 years old.
Air and fuel filters: Replace them to improve engine performance and efficiency.

Tip: Schedule a general check-up with a trusted mechanic. Catching issues early can save you a lot in the long run.

Familiarize Yourself with Local Driving Rules

If you’re a first-time car owner—or if you’re driving more regularly now—it helps to brush up on Philippine traffic rules, especially in cities with number coding or strict parking policies.

Key reminders:

Know your number coding day (based on plate number).
Follow speed limits, especially in school zones and highways.
Avoid illegal parking—penalties can be hefty.
Keep your OR/CR and insurance in the glove compartment at all times.

Install an RFID Sticker

Planning to drive through expressways like NLEX, SLEX, or Skyway? You’ll need an RFID sticker for seamless access to toll roads.

What to do:

Choose between Easytrip (for NLEX, CAVITEX) or Autosweep (for SLEX, Skyway) or you can acquire both.
Visit an authorized installation site (usually found at toll exits or gas stations).
Load up your account for cashless toll payments.

Bonus: Some installations offer free RFID application—watch out for announcements or promos.

Keep All Documents Organized

Any car comes with it’s complete set of documents and paperwork—and you’ll need them regularly for renewals, inspections, or emergencies.

Must-have items in your glove compartment:

Photocopy of your OR/CR
Proof of insurance
A copy of your valid driver’s license
Emergency contacts

It also helps to keep digital copies stored in your phone or cloud drive in case of loss or damage.

Add Useful Accessories and Safety Gear

Once the essentials are done, it’s time to personalize your car and improve comfort and safety.

The following items are recommended for ensured comfort and safety:

Dashboard camera – helpful in case of accidents
Phone holder and charger – for navigation and hands-free calls
Basic emergency kit – includes flashlight, jumper cables, tire inflator, and first aid
Floor mats and seat covers – for easy cleaning and better resale value

Buying a used car is just the beginning. Taking the right steps after your purchase will help you stay safe, protect your investment, and enjoy a worry-free driving experience.

From legal ownership to basic maintenance and upgrades, these post-purchase tips will make sure you're not just driving—but driving smart.