{"id":38368,"date":"2023-06-09T13:52:05","date_gmt":"2023-06-09T05:52:05","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38368"},"modified":"2025-09-12T19:04:34","modified_gmt":"2025-09-12T11:04:34","slug":"driver-risk-profile-factors-that-determine-your-insurance-price","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price","title":{"rendered":"Driver Risk Profile: Factors That Determine Your Insurance Price"},"content":{"rendered":"\n<p>Driver&#8217;s risk profiling means evaluating how likely it is for a specific risk to happen and for a claim to be made. This evaluation helps determine the amount you&#8217;ll pay for insurance. Driver risk profile factors play a part too. If insurance companies consider you as a higher risk driver, they will likely charge you a higher insurance premium.<\/p>\n\n\n\n<p>Note: In car insurance, different factors are considered to evaluate risk. However, these factors may vary depending on the type of risk being insured, as stated by the General Insurance Association of Malaysia (PIAM). Keep in mind that these factors are subjective and based on the specific guidelines used by each insurance company.<\/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-69d796fae0527\" 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-69d796fae0527\"><\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Driver%E2%80%99s_age\" title=\"Driver&#8217;s age\">Driver&#8217;s age<\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk\" title=\"High risk\">High risk<\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Car%E2%80%99s_age\" title=\"Car&#8217;s age\">Car&#8217;s age<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk-2\" title=\"High risk\">High risk<\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk-2\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Driver%E2%80%99s_gender\" title=\"Driver&#8217;s gender\">Driver&#8217;s gender<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk-3\" title=\"High risk\">High risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk-3\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/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\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Driver%E2%80%99s_claim_record\" title=\"Driver&#8217;s claim record\">Driver&#8217;s claim record<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk-4\" title=\"High risk\">High risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk-4\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Installation_of_anti-theft_devices\" title=\"Installation of anti-theft devices\">Installation of anti-theft devices<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk-5\" title=\"High risk\">High risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk-5\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Traffic_offence_record\" title=\"Traffic offence record\">Traffic offence record<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#High_risk-6\" title=\"High risk\">High risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Low_risk-6\" title=\"Low risk\">Low risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/#Maintain_a_good_driver_risk_profile\" title=\"Maintain a good driver risk profile\">Maintain a good driver risk profile<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Driver%E2%80%99s_age\"><\/span>Driver&#8217;s age<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Statistics show that teenagers and young adult drivers between 17 and 23 years old have a high involvement in many serious accidents. <\/p>\n\n\n\n<p>Similarly, insurance providers consider drivers aged 50 and above as high risk due to their potential for slower reflexes and susceptibility to health conditions like Dementia, heart failure, and Parkinson&#8217;s, which can affect their driving abilities.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Drivers aged between 30 and 50 have plenty experience in handling unexpected situations on the road and exhibit quicker reactions.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car%E2%80%99s_age\"><\/span>Car&#8217;s age<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk-2\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Older cars, especially those that have been around for more than 10 years, are more likely to experience breakdowns compared to newer cars. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk-2\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In contrast, new cars have better condition and lower chances of getting damaged compared to older ones.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39004\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/attachment\/pexels-jesse-zheng-1213294-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jesse-zheng-1213294-1.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=\"pexels-jesse-zheng-1213294-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jesse-zheng-1213294-1.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jesse-zheng-1213294-1.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\/pexels-jesse-zheng-1213294-1.jpg?resize=640%2C427&#038;ssl=1\" alt=\"\" class=\"wp-image-39004\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jesse-zheng-1213294-1.jpg?w=640&amp;ssl=1 640w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jesse-zheng-1213294-1.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=\"Driver%E2%80%99s_gender\"><\/span>Driver&#8217;s gender<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk-3\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>According to PIAM, based on studies conducted in many advanced nations, found that male drivers generally pose a higher risk compared to female drivers.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk-3\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Also, insurance companies often perceive female drivers as driving more cautiously, having a greater threshold for tolerance, and exhibiting less reckless behaviour on the road.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Driver%E2%80%99s_claim_record\"><\/span>Driver&#8217;s claim record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk-4\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance companies categorize drivers who frequently engage in accidents and file insurance claims as high risk. This can potentially lead to higher insurance premiums at insurance renewal.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk-4\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Meanwhile, insurance companies consider drivers who are prudent and have never made an insurance claim as low risk drivers.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Installation_of_anti-theft_devices\"><\/span>Installation of anti-theft devices<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk-5\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance companies consider cars without anti-theft security systems are riskier than those with them because they have a higher chance of being stolen.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk-5\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cars with recognized anti-theft systems to have a moderate level of risk. Drivers also can further reduce the risk and qualify for lower insurance premiums by adding extra features like telematics or GPS tracking devices.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Traffic_offence_record\"><\/span>Traffic offence record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"High_risk-6\"><\/span>High risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance companies will see drivers who often break traffic rules as a bigger risk and may charge them higher premiums.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Low_risk-6\"><\/span>Low risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In the mean time, if the driver is responsible and rarely gets in trouble, insurance providers will consider them as low-risk and may offer them lower insurance costs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39006\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-price\/attachment\/selangor-may-2021-mco-roadblocks\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?fit=940%2C470&amp;ssl=1\" data-orig-size=\"940,470\" 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=\"driver risk profile\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?fit=940%2C470&amp;ssl=1\" loading=\"lazy\" width=\"940\" height=\"470\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?resize=940%2C470&#038;ssl=1\" alt=\"\" class=\"wp-image-39006\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?w=940&amp;ssl=1 940w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Selangor-May-2021-MCO-roadblocks.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Maintain_a_good_driver_risk_profile\"><\/span>Maintain a good driver risk profile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Finally, it&#8217;s crucial to take care of one&#8217;s driver risk profile and avoid unnecessary risks. Be a cautious driver and minimize your involvement in accidents to avoid making insurance claims. By being responsible and proactive, you can potentially lower your insurance premium.<\/p>\n\n\n\n<p>Visit <a href=\"https:\/\/bjak.my\/\">Bjak<\/a> now to enjoy exclusive discounts, attractive prices and benefits for your car insurance without any hassle!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><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><\/em><\/em><\/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=driver-risk-profile-factors-that-determine-your-insurance-price\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Read more:<\/p>\n\n\n\n<ul><li><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><\/li><li><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><\/li><li><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><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover why high-risk drivers face higher insurance premiums compared to low-risk drivers and learn how to improve your driver risk profile.<\/p>\n","protected":false},"author":20,"featured_media":39118,"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>Driver Risk Profile: Factors That Determine Your Insurance Price<\/title>\n<meta name=\"description\" content=\"Discover why high-risk drivers face higher insurance premiums compared to low-risk drivers and learn how to improve your driver risk profile.\" \/>\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\/driver-risk-profile-factors-that-determine-your-insurance-price\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Driver Risk Profile: Factors That Determine Your Insurance Price\" \/>\n<meta property=\"og:description\" content=\"Discover why high-risk drivers face higher insurance premiums compared to low-risk drivers and learn how to improve your driver risk profile.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/driver-risk-profile-factors-that-determine-your-insurance-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=\"2023-06-09T05:52:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T11:04:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/photo1686286738.jpeg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\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=\"3 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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