Common Mistakes When Buying Car Insurance

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Introduction

People think buying insurance is just… pay and done. But nope, there are common mistakes when buying car insurance that keep popping up every year. And funny enough, most of these mistakes are simple things you could easily avoid. Yet many drivers don’t, and that’s why they overpay or end up stuck with coverage that doesn’t help when it matters.

Common Mistakes When Buying Car Insurance to Avoid

Not comparing at all.
Some people just stick to the same insurer, year in year out. Easy, sure, but sometimes the price difference between Bjak, MyEG, Pos Malaysia, or even JPJ/MyJPJ is shocking. Like, literally hundreds of ringgit gone just because you didn’t check.
Coverage mismatch.
If your car’s brand new, you’d be crazy not to go comprehensive. But that same coverage on a 12-year-old Myvi? Overkill. Third party makes more sense, unless you enjoy burning cash.
Forgetting the NCD.
This one’s painful. You keep a perfect driving record, then one tiny claim for a cracked mirror wipes away your No-Claim Discount. That’s years of savings gone in a heartbeat. Sometimes it’s cheaper to just fix small stuff out of pocket.
Buying every add-on under the sun.
Flood, windscreen, natural disaster, personal accident… sounds nice on paper. But add them all and suddenly your “affordable premium” looks like a car loan payment. Pick what you actually need, not what looks fancy.
Wrong details.
You’d be surprised how often this happens. Wrong car cc, misspelled name, outdated driver info. Harmless? Not really. Premiums creep up and claims might get stuck later.
Renewing at the very last minute.
We’ve all done it. But wait until expiry and sometimes you get hit with delays or higher charges. Renew a little earlier — less stress, maybe even cheaper.

Conclusion

At the end of the day, avoiding common mistakes when buying car insurance isn’t rocket science. Compare before you commit, match your coverage to your car’s age, don’t lose your NCD over small claims, and please — don’t wait until the final day to renew. Do these, and your wallet will actually thank you at renewal time.