Why Premiums Keep Rising
If you’ve ever stared at your renewal notice and thought, “Wait, why is it higher again?” — you’re not alone. Premiums creep up for all sorts of reasons. Sometimes it’s obvious, like an accident last year. Other times it’s just… the system. Your car gets older, insurers shuffle their rates, or your details don’t match perfectly. Basically, it’s not always your fault. So here are some way to legally lower car insurance premium.
6 Ways to Bring It Down (Legally)
Let’s get real—there’s no single hack, but these do work:
- Hold on to your NCD. The longer you go claim-free, the fatter your discount. It’s the easiest win. Don’t waste it on a tiny scratch repair.
- Match coverage to car age. Got a 12-year-old Myvi? You probably don’t need full comprehensive. Third party can save you a chunk.
- Compare before you pay. Bjak, MyEG, Pos Malaysia… it’s silly not to check at least two platforms. Prices can differ more than you’d think.
- Double-check your details. Wrong engine cc, outdated driver info—small stuff, but it bumps your premium quietly.
- Be picky with add-ons. Windscreen, flood, personal accident cover—handy, sure, but stack them up and suddenly you’re paying hundreds extra.
- Renew earlier, not last minute. Some insurers throw small discounts if you lock it in ahead of expiry. Worth trying.
A Few Extra Nuggets
Some people swear by sticking with the same insurer forever. Why? The NCD stays safe, and sometimes loyalty perks show up. Also, if you can swing a one-off annual payment instead of monthly installments, do it—it’s cheaper in the long run. And yeah, watch out for festive promos. They exist.
Conclusion
To legally lower car insurance premium isn’t about tricking the system. It’s about being smart—protect your NCD, pick coverage that makes sense for your car, and don’t renew at the very last minute. That’s really it. Do those few things and you’ll see the difference on your next bill.
Read More:
Comprehensive vs Third Party: What’s the Difference?
