{"id":37750,"date":"2023-05-17T18:41:37","date_gmt":"2023-05-17T10:41:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37750"},"modified":"2025-09-17T12:54:40","modified_gmt":"2025-09-17T04:54:40","slug":"car-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium","title":{"rendered":"Why Your Car Insurance Premium Can Go Up?"},"content":{"rendered":"\n<p>Car insurance is a must in Malaysia. Most car owners feel less financial burden after the first year of insurance renewal as they&#8217;ll be eligible for the no-claim discount (NCD). But even with NCD, your car insurance premium can still increase due to several factors.<\/p>\n\n\n\n<p>The drivers&#8217; behaviour, the place they live in and the type of policy are all factors that directly affect the price of one&#8217;s insurance premium. Here are the five factors that can influence your car insurance premium.<\/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-69e0cbad00cec\" 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-69e0cbad00cec\"><\/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\/car-insurance-premium\/#Speeding_and_breaking_traffic_rules\" title=\"Speeding and breaking traffic rules\">Speeding and breaking traffic rules<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium\/#Comprehensive_coverage\" title=\"Comprehensive coverage\">Comprehensive coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium\/#More_than_two_additional_drivers_listed\" title=\"More than two additional drivers listed\">More than two additional drivers listed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium\/#Place_of_residence\" title=\"Place of residence\">Place of residence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium\/#Insurance_has_expired\" title=\"Insurance has expired\">Insurance has expired<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium\/#Car_insurance_premium_in_Malaysia\" title=\"Car insurance premium in Malaysia \">Car insurance premium in Malaysia <\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Speeding_and_breaking_traffic_rules\"><\/span>Speeding and breaking traffic rules<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39442\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-insurance-long-distance-trip\/attachment\/traffic-light\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?fit=620%2C413&amp;ssl=1\" data-orig-size=\"620,413\" 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=\"Traffic-light\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?fit=620%2C413&amp;ssl=1\" loading=\"lazy\" width=\"620\" height=\"413\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?resize=620%2C413&#038;ssl=1\" alt=\"Breaking traffic rules\" class=\"wp-image-39442\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?w=620&amp;ssl=1 620w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Traffic-light.jpeg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 620px) 100vw, 620px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Your driving record plays an important role in determining your car insurance premium. If you are a high-risk driver (with a history of traffic violations), the insurance company will quote you a higher insurance premium. Since high-risk drivers are more likely to get involved in accidents, they must pay more insurance premiums than others.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Comprehensive_coverage\"><\/span>Comprehensive coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depending on the insurer and the state you live in, your car insurance premium may increase, taking into account incidents out of your control. <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">Comprehensive coverage<\/a> often includes theft, vandalism, hitting an animal, fire, broken glass, weather-related damage, and other natural phenomena. If you live where these incidents are more likely to occur, you might have to pay a higher insurance fee.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"More_than_two_additional_drivers_listed\"><\/span>More than two additional drivers listed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39017\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/unnamed-driver-accident-find-out-if-you-can-claim-insurance\/attachment\/car-insurance-form-with-model-and-policy-document\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" 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;Car insurance form with model and policy document&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;Car insurance form with model and policy document&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"unnamed driver\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?resize=640%2C427&#038;ssl=1\" alt=\"Car insurance policy\" class=\"wp-image-39017\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?w=640&amp;ssl=1 640w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-car-insurance-form-with-model-and-policy-document.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Some insurance plans also charge a certain premium to include each additional driver&#8217;s name in the policy. This means they typically only cover one driver, the vehicle&#8217;s owner. As such, compare policies and choose a plan that allows you to register additional drivers for free.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Place_of_residence\"><\/span>Place of residence<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your insurance prices may increase if you move to a neighbourhood with a high criminal record. Insurance companies consider this factor as those living in high-risk areas may likely submit bigger, more frequent damage claims. So, this influences how much premium they have to pay as well.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurance_has_expired\"><\/span>Insurance has expired<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38989\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen\/attachment\/pexels-andrea-piacquadio-3760067\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=1600%2C1067&amp;ssl=1\" data-orig-size=\"1600,1067\" 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=\"Car Insurance Claim Denials: 5 Reasons Why It Could Happen\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=1080%2C720&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"720\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067.jpg?resize=1080%2C720&#038;ssl=1\" alt=\"Car insurance company\" class=\"wp-image-38989\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1080%2C720&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Insurance companies usually charge a higher premium if car owners renew policies far from their expiry dates. To avoid this, renew your <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">car policy<\/a> annually before it expires. To be safe, you can buy it as early as two months before the existing one expires.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car_insurance_premium_in_Malaysia\"><\/span>Car insurance premium in Malaysia <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/auto-insurance-grab-paylater\/\">Auto insurance<\/a> premiums can increase at any point. More than one reason influences how much you&#8217;ll have to pay when you renew the policy. Remember to take note of these things to avoid paying more in the future. Be sure always to select the best plan that suits you.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/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=blogen&amp;utm_campaign=car-insurance-premium\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"89567\">Renew online<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/autolife-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is Autolife Insurance?<\/a><\/em><\/strong><\/li><li><em style=\"color: initial;\"><strong><a href=\"https:\/\/bjak.my\/blog\/car-tyres-replacement\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Know If Your Car Tyres Need Replacement?<\/a><\/strong><\/em><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/travel-insurance-claims\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Avoid Travel Insurance Claims Rejection<\/a><\/em><\/strong><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your car insurance premium can go up for several reasons. Find out what could be the causes for such increments.<\/p>\n","protected":false},"author":19,"featured_media":37818,"comment_status":"closed","ping_status":"closed","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":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Your Car Insurance Premium Can Go Up?<\/title>\n<meta name=\"description\" content=\"Your car insurance premium can go up for several reasons. 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