7 Tips to Get Cheaper Car Insurance in Malaysia

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Introduction

Let’s be honest — car insurance feels like a yearly headache for most drivers in Malaysia. Every renewal comes with that one big question: how do I pay less without losing protection? The truth is, there are ways to lower your premium if you know the right tricks. So here are 7 tips to get cheaper car insurance in Malaysia that anyone can try.

1. Compare insurance providers

Never stick blindly to the same insurer every year. Different companies can quote very different premiums for almost identical coverage. Platforms like Bjak make it simple — you can compare multiple insurers side by side within minutes.

2. Take advantage of NCD (No Claim Discount)

Your driving record matters. If you haven’t made any claims, you could get up to 55% discount through NCD. That’s one of the biggest savings factors, so always make sure your insurer applies it correctly.

3. Choose coverage that fits your needs

Not all cars need comprehensive insurance with every add-on. If your car is old with low market value, a third-party policy might be enough. The right coverage type can shave hundreds off your premium.

4. Renew early, not last minute

Do not wait till your policy expires to renew or even worse till it lapse which will cost more time to activate your policy. Some insurers add charges or skip discounts if you delay. Renewing early helps you lock in the rate and avoid unnecessary stress.

5. Use online platforms (faster & cheaper)

Going to the counter is possible, but it often comes with service charges and wasted time. Online platforms like Bjak, MyEG, or JPJ/MyJPJ are way more practical. Plus, if you choose digital road tax, you won’t even pay postage fees.

6. Consider installment payments

If paying in full feels heavy, some platforms allow monthly installments — as low as RM50 per month on Bjak. The total premium won’t be affected but the monthly payments help to manage your budget.

7. Skip add-ons you don’t really need

Add-ons like windscreen coverage, flood protection, or extra towing can be useful — but only if you actually need them. Cutting unnecessary add-ons is one of the easiest ways to lower your premium.

Conclusion

There’s no magic shortcut, but if you compare wisely, make use of your NCD, and avoid paying for things you don’t need, you’ll find it’s not that hard to secure cheaper car insurance in Malaysia with these tips. And the fastest way to start? Use a platform like Bjak to instantly see how different insurers stack up.