Introduction
Car insurance premium increases happen more often than most Malaysian drivers realize. Each year, factors like accident history, rising repair costs, and updated insurer policies can push prices higher. Instead of accepting higher rates blindly, drivers can take control by comparing multiple plans through BJAK. The platform helps vehicle owners get instant quotes, review coverage options, and apply smart strategies to manage or even lower their premium costs without losing protection.
1. Causes of Premium Increases
- High number of claims: Increased accidents or damages lead insurers to adjust premiums.
- Vehicle value and expensive components: New cars, EVs, or premium vehicles require higher repair costs.
- Driver history: Loss of No Claim Discount (NCD) or accident history can increase premiums.
- Inflation in service and spare parts costs: Rising costs of parts and repairs also impact premiums.
2. How to Save on Premiums in 2025
- Compare plans via BJAK: Get instant quotes and choose the plan that fits your budget.
- Leverage NCD: Ensure no claims jeopardize your discount.
- Choose add-ons wisely: Only add necessary coverage such as VIP Rescue or Key Care.
- Consider the type of coverage: Low-cost plans may be suitable for older cars, while comprehensive coverage fits new or premium vehicles.
- Renew insurance & roadtax via BJAK: Quick process, immediate policy activation, avoiding coverage gaps that could affect premiums.
Conclusion
While car insurance premium increases may seem unavoidable, smart drivers know how to keep costs in check. Comparing quotes, selecting the right add-ons, and renewing through BJAK ensures that you enjoy full protection at the most competitive rate. With the right approach, you can maintain comprehensive coverage and still save money on your car insurance in 2025.
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