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

Tailor Your Coverage to Your Needs

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