{"id":38364,"date":"2023-06-18T23:40:09","date_gmt":"2023-06-18T15:40:09","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38364"},"modified":"2025-09-12T19:00:19","modified_gmt":"2025-09-12T11:00:19","slug":"car-policy-price","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price","title":{"rendered":"Car Policy Price: Factors That Determine How Much You Pay"},"content":{"rendered":"\n<p>Ever wondered why the price of a <a href=\"https:\/\/bjak.my\/blog\/is-it-safe-to-purchase-car-insurance-policy-online\/\">car policy<\/a> varies from person to person and what are the factors that insurance companies use to determine your rates? <\/p>\n\n\n\n<p>Understanding these key elements can help you make informed decisions and potentially save some cash on your next policy. Get ready to unravel the secrets behind those insurance price tags!<\/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-69d79705e17cc\" 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-69d79705e17cc\"><\/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-policy-price\/#Market_value_of_the_car\" title=\"Market value of the car\">Market value of the car<\/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-policy-price\/#Car_manufacturing_year\" title=\"Car manufacturing year\">Car manufacturing year<\/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-policy-price\/#No_Claim_Discount_NCD\" title=\"No Claim Discount (NCD)\">No Claim Discount (NCD)<\/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-policy-price\/#Type_of_insurance\" title=\"Type of insurance\">Type of insurance<\/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-policy-price\/#Location\" title=\"Location\">Location<\/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-policy-price\/#Driving_record\" title=\"Driving record\">Driving record<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/#Occupation\" title=\"Occupation\">Occupation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/#Find_the_best_car_policy\" title=\"Find the best car policy!\">Find the best car policy!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Market_value_of_the_car\"><\/span>Market value of the car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The cost of your car insurance premium is usually based on how much your car is worth in the market. If your car has a higher market value, the insurance coverage will be higher too. <\/p>\n\n\n\n<p>For instance, a brand-new BMW 330i 2023 valued at RM317,800 will have higher insurance coverage compared to a new Honda Civic&nbsp;valued at RM166,500.<\/p>\n\n\n\n<p>Keep in mind that as the market value of your car decreases over time, it will also lead to a decrease in the value of your car insurance. So, as your car gets older, the insurance cost will likely go down too.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car_manufacturing_year\"><\/span>Car manufacturing year<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The age of your car affects how much you pay for insurance. If your car was made in 2018, your insurance will likely cost less than if it was made in 2022. In simple terms, older cars have cheaper insurance compared to newer ones.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39039\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/attachment\/pexels-torsten-dettlaff-70912\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=640%2C400&amp;ssl=1\" data-orig-size=\"640,400\" 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 premium\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=300%2C188&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?fit=640%2C400&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"400\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=640%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-39039\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?w=640&amp;ssl=1 640w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=300%2C188&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-torsten-dettlaff-70912.jpg?resize=353%2C220&amp;ssl=1 353w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"No_Claim_Discount_NCD\"><\/span>No Claim Discount (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD is a key factor that affects how much you pay for car insurance premiums. It&#8217;s a discount given by the insurance company if you haven&#8217;t made any claims in a year. The NCD rate ranges from 0 to a maximum of 55%. The higher your NCD value, the lower the cost of your insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Type_of_insurance\"><\/span>Type of insurance<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 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>The type of insurance you pick can influence how much you pay for car insurance. Comprehensive insurance, which covers a wider range of incidents, tends to cost more compared to basic third-party insurance. <\/p>\n\n\n\n<p>If you have a new car or a car less than 10 years old (especially if it&#8217;s financed), comprehensive insurance is usually mandatory. On the other hand, if you have an older car that&#8217;s over 15 years old, it&#8217;s recommended to consider third-party, fire, and theft insurance for extra vehicle protection.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Location\"><\/span>Location<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The cost of <a href=\"https:\/\/bjak.my\/blog\/does-auto-insurance-cover-car-fires\/\">auto insurance<\/a> is usually higher in cities compared to rural areas. Moreover, insurance prices tend to be higher in the Peninsula compared to Sabah and Sarawak. This is because the value of cars and the level of risk are greater in Peninsular Malaysia than in Sabah and Sarawak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Driving_record\"><\/span>Driving record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your driving history plays a big role in determining how much you&#8217;ll pay for insurance premiums. If you have a clean record and drive safely, your insurance price will be lower. <\/p>\n\n\n\n<p>On the other hand, if you&#8217;re a reckless driver with a history of traffic offences and accidents, insurance companies see you as high risk. They&#8217;ll charge you more because they have to take on a greater risk by insuring you.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39040\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/attachment\/pexels-jeshootscom-13861-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.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;&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 premium\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?resize=640%2C427&#038;ssl=1\" alt=\"Car insurance policy\" class=\"wp-image-39040\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Occupation\"><\/span>Occupation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you use your car a lot for work, especially to go to different project sites, your insurance price will likely be higher. This is because the chances of accidents and damage to your car are greater compared to those who only use their car for personal reasons.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Find_the_best_car_policy\"><\/span>Find the best car policy!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As a customer, finding affordable insurance is important to you. Different insurance companies or takaful providers offer varying prices and benefits. <\/p>\n\n\n\n<p>Before committing to any <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/\">car insurance policy<\/a>, it&#8217;s crucial to compare options and make an informed decision. Take the time to do your research and find the coverage that best suits your needs and budget.<\/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 sites, with more than 10 insurance brands to choose from. Get your free insurance quote&nbsp;at Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button is-style-fill\"><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-policy-price\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Get free quote<\/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><em><a href=\"https:\/\/bjak.my\/blog\/no-claim-discount-ncd-drive-safely-and-save-more\/\">No-Claim Discount (NCD): Drive Safely and Save More<\/a><\/em><\/li><li><em><a href=\"https:\/\/bjak.my\/blog\/accident-with-an-uninsured-vehicle-learn-what-to-do\/\">Accident With An Uninsured Vehicle? Learn What To Do<\/a><\/em><\/li><li><em><a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium-the-affect-of-car-accident-on-it\/\">Car Insurance Premium: The Affect of Car Accident on It<\/a><\/em><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover the key factors that influence the price of your car policy and make informed decisions before buying one.<\/p>\n","protected":false},"author":20,"featured_media":39540,"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>Car Policy Price: Factors That Determine How Much You Pay<\/title>\n<meta name=\"description\" content=\"Discover the key factors that influence the price of your car policy and make informed decisions before buying one.\" \/>\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\/car-policy-price\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Policy Price: Factors That Determine How Much You Pay\" \/>\n<meta property=\"og:description\" content=\"Discover the key factors that influence the price of your car policy and make informed decisions before buying one.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\" \/>\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=\"2023-06-18T15:40:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T11:00:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/FI-EN-6-16-2.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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=\"Waydi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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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