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Smart Ways to Save on Car Insurance Renewal – Without Sacrificing Coverage

Smart Ways to Save on Car Insurance Renewal – Without Sacrificing Coverage

Renewing your car insurance is a yearly must — but that doesn’t mean you need to overpay. Many car owners don’t realise they can save significantly while still enjoying full protection. The key? Make smarter choices and know what you’re paying for.

Here are simple and effective ways to save on your next car insurance renewal — without cutting corners on coverage.


Compare Before You Renew

Compare Before You Renew
Don’t just renew with the same insurer out of habit. Use comparison platforms like Bjak to get instant quotes from multiple insurers side by side. You’ll see pricing and benefits clearly — and often spot better deals.
What to Do
Why It Matters
Compare quotes and coverage benefits
Avoid overpaying for the same protection
Use online platforms like Bjak
Faster, transparent, and saves you time
Don’t just renew with the same insurer out of habit. Use comparison platforms like Bjak to get instant quotes from multiple insurers side by side. You’ll see pricing and benefits clearly — and often spot better deals.

Tailor Your Coverage to Your Needs

Tailor Your Coverage to Your Needs
You don’t need every optional add-on, especially if your car is rarely used or parked in a secure area. Choose coverage that fits your lifestyle.
Optional Coverage
Should You Get It?
Windscreen protection
Useful if you drive long distances or park in risky areas
Flood protection
Important if you live in a flood-prone area
Replacement car
Great if you don’t have a spare car during repairs
You don’t need every optional add-on, especially if your car is rarely used or parked in a secure area. Choose coverage that fits your lifestyle.

Maximise Your No Claim Discount (NCD)

The longer you drive without making a claim, the bigger your No Claim Discount (NCD) — up to 55% off. Don’t waste it on minor issues that aren’t worth claiming.

Tip: If your windscreen has a small crack and the repair costs less than your NCD loss, consider paying out of pocket.


Consider 0% Installment Plans

Tight on budget? Choose flexible payment options like Buy Now, Pay Later (BNPL) or Easy Payment Plan (EPP) offered by platforms like Bjak. You can spread out payments without interest charges.


Don’t Over-Insure or Under-Insure

Make sure your sum insured matches the current market value of your car. Too high? You’re overpaying. Too low? You might not get full compensation if the car is totaled.

Use a market value calculator or ask your agent for guidance.


Renew Early, Not Last-Minute

You can renew your insurance up to 2 months before expiry. Early birds often get access to limited-time promos and avoid last-minute stress.


Take Advantage of Free Extras

Some online platforms like Bjak offer added value at no extra cost, such as:

  • Claims assistance
  • Free towing services
  • Bonus coverage (windscreen, flood, replacement car)

All these boost your protection without hidden fees.


Final Thoughts

Renewing your car insurance doesn’t have to break the bank. With the right tools and smart choices — comparing quotes, using NCD wisely, tailoring your coverage, and exploring flexible payment plans — you can save hundreds a year while still being fully protected.Platforms like Bjak make it easier than ever to make informed, cost-effective decisions.

Read more:

Malaysia Road Trip: What to Do Before a Long Drive

How Much Does It Cost to Own a Car in Malaysia Per Year?

Car Insurance Payment Options in Malaysia – EPP vs BNPL vs Cash