{"id":10039,"date":"2021-11-10T12:10:23","date_gmt":"2021-11-10T04:10:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=10039"},"modified":"2023-05-19T18:27:21","modified_gmt":"2023-05-19T10:27:21","slug":"how-is-car-insurance-premium-calculated","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated","title":{"rendered":"How Is Car Insurance Premium Calculated?"},"content":{"rendered":"\n<p>Effective July 1, 2017, premium rates for Motor Comprehensive and Motor Third Party, Fire and Theft products have been liberalised. Following the <a href=\"https:\/\/bjak.my\/blog\/liberalisation-of-motor-insurance-tariffs\/\">motor tariff liberalisation<\/a> by Bank Negara Malaysia (BNM), premium rates are determined by individual insurers and takaful operators. This liberalisation causes car insurance premiums to vary, giving more options to consumers. For your awareness, we share in this article the factors that affect car insurance premiums and how to calculate car insurance premiums. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d796fc69986\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d796fc69986\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Factors_that_affect_car_insurance_premiums\" title=\"Factors that affect car insurance premiums\">Factors that affect car insurance premiums<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Car_market_value\" title=\"Car market value\">Car market value<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Car%E2%80%99s_manufacture_year\" title=\"Car&#8217;s manufacture year\">Car&#8217;s manufacture year<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#No_Claim_Discount_NCD\" title=\"No Claim Discount (NCD)&nbsp;\">No Claim Discount (NCD)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Type_of_car_insurance\" title=\"Type of car insurance\">Type of car insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Car_location\" title=\"Car location\">Car location<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Driving_record\" title=\"Driving record\">Driving record<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Occupation\" title=\"Occupation\">Occupation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#How_to_calculate_car_insurance_premiums\" title=\"How to calculate car insurance premiums\">How to calculate car insurance premiums<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/#Compare_before_you_buy_car_insurance\" title=\"Compare before you buy car insurance\">Compare before you buy car insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Factors_that_affect_car_insurance_premiums\"><\/span>Factors that affect car insurance premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car_market_value\"><\/span><strong>Car market value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One of the factors that affect car insurance premiums is <a href=\"https:\/\/bjak.my\/blog\/car-sum-insured-market-value-vs-agreed-value\/#What_does_market_value_mean\">car market value<\/a>. Typically, cars with a higher market value will have a higher sum insured and therefore a higher premium. For instance, a brand new BMW 2 Series Gran Coupe with a market value of RM199,177 will have a higher insurance premium than a brand new Honda Jazz with a market value of RM75,300.&nbsp;<\/p>\n\n\n\n<p>Nevertheless, note that car market value depreciates every year. This will thus lower your insurance premium as your car market value depreciates. You can check your <a href=\"https:\/\/www.mycarinfo.com.my\/MarketValue\">vehicle market value<\/a> for free at MyCarInfo.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car%E2%80%99s_manufacture_year\"><\/span><strong>Car&#8217;s manufacture year<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Car&#8217;s manufacture year also affects car insurance premiums. For example, a Proton Saga manufactured in 2016 will have a lower insurance premium compared to a Proton Saga manufactured in 2021. In other words, insurance premiums for older cars tend to be lower than insurance premiums for newer cars. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_Claim_Discount_NCD\"><\/span><strong>No Claim Discount (NCD)&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your No Claim Discount (NCD) also affects your car insurance premium. <a href=\"https:\/\/piam.org.my\/motor-insurance\/#:~:text=NO%2DCLAIM%2DDISCOUNT%20(NCD)&amp;text=NCD%20is%20a%20'reward'%20scheme,for%20different%20classes%20of%20vehicles.\">NCD is a &#8216;reward&#8217; scheme<\/a> that you earn if you do not make any claim on your insurance policy on an annual basis.<\/p>\n\n\n\n<p>The NCD rates vary according to different classes of vehicles. For private cars, the NCD rates range from 25% to a maximum of 55%. The higher your NCD rate gets, the lower your car insurance premium becomes. Refer to our visual below for the <a href=\"https:\/\/bjak.my\/blog\/things-to-know-before-buying-car-insurance\/#What_is_your_NCD_rate\">NCD rates for private cars in Malaysia<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10067\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/attachment\/ncd-rate-for-private-cars-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"NCD-RATE-FOR-PRIVATE-CARS\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"NCD rates for private cars in Malaysia\" class=\"wp-image-10067\" title=\"NCD rates for private cars in Malaysia\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/NCD-RATE-FOR-PRIVATE-CARS.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Type_of_car_insurance\"><\/span><strong>Type of car insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">type of car insurance<\/a> that you choose also affects your car insurance premium. <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">Comprehensive insurance<\/a> is more expensive than the most basic insurance that is <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Third_party_insurance\">third party insurance<\/a>. Meanwhile, <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Third_party_fire_and_theft_insurance\">third party, fire and theft insurance<\/a> is cheaper than comprehensive insurance but more expensive than third party insurance. <\/p>\n\n\n\n<p>For your information, it is compulsory for cars aged 10 years old and below to have comprehensive insurance. For cars older than 15 years old, it is encouraged for the cars to have third party, fire and theft insurance. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10048\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/attachment\/unnamed-4-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"unnamed-4-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Types of car insurance in Malaysia\" class=\"wp-image-10048\" title=\"Types of car insurance in Malaysia\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-4-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car_location\"><\/span><strong>Car location<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Typically, insurance premiums for cars in city areas are higher in comparison to the premiums for cars outside of city areas.<\/p>\n\n\n\n<p>Other than that, car insurance premiums are also higher for cars in West or Peninsular Malaysia than cars in East Malaysia (Sabah and Sarawak). <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Driving_record\"><\/span><strong>Driving record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you are a good driver and have a squeaky-clean driving record, your car insurance premium will likely be lower. In contrast, if you often violate traffic rules and run into road accidents, your insurance premium will likely be higher as your insurer will consider you a high-risk driver. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-attachment-id=\"5870\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/driving\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"driving\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/driving-1024x576.jpg?resize=768%2C432&#038;ssl=1\" alt=\"Maintain a good driving record to enjoy a lower car insurance premium\" class=\"wp-image-5870\" width=\"768\" height=\"432\" title=\"Maintain a good driving record to enjoy a lower car insurance premium\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/driving.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Occupation\"><\/span><strong>Occupation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your occupation requires you to drive often to high-risk areas such as construction sites, your car insurance premium may be higher. This is because your car usage due to your occupation exposes your car to a higher risk of accidents and damages. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_calculate_car_insurance_premiums\"><\/span>How to calculate car insurance premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The basic formula to calculate car insurance premiums is as follows:<\/p>\n\n\n\n<p>Car insurance premium = Premium (after NCD, if any)  + <a href=\"https:\/\/bjak.my\/blog\/additional-coverages-for-car-insurance\/\">Additional coverage<\/a> (if any) + Service tax (6%) + Stamp duty (RM10)<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10049\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/attachment\/211110-bjakblog-nurul-premiumforcomprehensivecoverage-01-01\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?resize=1080%2C608&#038;ssl=1\" alt=\"How to calculate car insurance premiums\" class=\"wp-image-10049\" title=\"How to calculate car insurance premiums\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-01-01.jpeg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10462\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\/attachment\/211110-bjakblog-nurul-premiumforcomprehensivecoverage-02-01-1-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-10462\" title=\"How to calculate car insurance premiums\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211110-BjakBlog-Nurul-PremiumForComprehensiveCoverage-02-01-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compare_before_you_buy_car_insurance\"><\/span>Compare before you buy car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In conclusion, a few factors affect car insurance premiums. The factors include your car market value, type of car insurance and your No Claim Discount (NCD). As your insurance premiums are also based on the risk assessment by insurers, it is crucial that you compare the coverages and premiums offered by different insurers.<\/p>\n\n\n\n<p>To help you easily compare insurers and their offerings, we recommend that you use Bjak, <a href=\"https:\/\/www.nst.com.my\/lifestyle\/bots\/2020\/10\/634003\/compare-widest-range-car-insurance-zero-hassle-online-platform\">one of the biggest insurance comparison sites in Malaysia<\/a>. At Bjak, you can <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">get up to 15 car insurance quotes for free<\/a>. You can renew your insurance online and have it activated in just 5 minutes. <\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Get free quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn about the factors that affect your car insurance premium, and how your car insurance premium is calculated. <\/p>\n","protected":false},"author":5,"featured_media":5437,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,661,660,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Is Car Insurance Premium Calculated?<\/title>\n<meta name=\"description\" content=\"Learn about the factors that affect your car insurance premium, and how your car insurance premium is calculated.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Is Car Insurance Premium Calculated?\" \/>\n<meta property=\"og:description\" content=\"Learn about the factors that affect your car insurance premium, and how your car insurance premium is calculated.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-is-car-insurance-premium-calculated\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-10T04:10:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-19T10:27:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?fit=1600%2C900&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nur Adilah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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