{"id":44735,"date":"2023-12-29T18:05:13","date_gmt":"2023-12-29T10:05:13","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44735"},"modified":"2025-07-18T17:26:41","modified_gmt":"2025-07-18T09:26:41","slug":"guna-kalkulator-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta","title":{"rendered":"Nak Tahu Bagaimana Insurans Dikira? Guna Kalkulator Insurans Kereta Ini Sebagai Panduan"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kenderaan<\/a> adalah benda yang wajib ada pada setiap kenderaan di Malaysia. Insurans ini sebenarnya adalah amat penting kerana ia akan dapat memandu anda sekiranya perkara yang tak diingini berlaku semasa anda memandu kenderaan anda.<\/p>\n\n\n\n<p>Bila bercakap soal harga insurans ini, pastinya ramai dah tahu bahawa harga insurans kereta dan motosikal ini berbeza-beza dan bukannya murah. Namun begitu, ia kekal sebagai perlindungan penting kepada anda yang memiliki kenderaan untuk ada kerana ia juga tertakluk di bawah undang-undang Malaysia.<\/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-69d7b73b55506\" 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-69d7b73b55506\"><\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Macam_mana_harga_ditentukan\" title=\"Macam mana harga ditentukan?\">Macam mana harga ditentukan?<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Jenis_Perlindungan_Insurans\" title=\"Jenis Perlindungan Insurans\">Jenis Perlindungan Insurans<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Tahun_Pembuatan_Kenderaan\" title=\"Tahun Pembuatan Kenderaan\">Tahun Pembuatan Kenderaan<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Nilai_Pasaran_Kereta\" title=\"Nilai Pasaran Kereta\">Nilai Pasaran Kereta<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Diskaun_Tanpa_Tuntutan_NCD\" title=\"Diskaun Tanpa Tuntutan (NCD)\">Diskaun Tanpa Tuntutan (NCD)<\/a><\/li><\/ul><\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Kapasiti_Enjin_Kereta\" title=\"Kapasiti Enjin Kereta\">Kapasiti Enjin Kereta<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Lokasi\" title=\"Lokasi\">Lokasi<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Rekod_Pemanduan\" title=\"Rekod Pemanduan\">Rekod Pemanduan<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Polisi_Tambahan\" title=\"Polisi Tambahan\">Polisi Tambahan<\/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\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Macam_mana_nak_kira_harga_insurans\" title=\"Macam mana nak kira harga insurans?\">Macam mana nak kira harga insurans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/#Macam_mana_nak_dapatkan_insurans_yang_murah\" title=\"Macam mana nak dapatkan insurans yang murah?\">Macam mana nak dapatkan insurans yang murah?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Macam_mana_harga_ditentukan\"><\/span>Macam mana harga ditentukan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagaimana nak tahu berapa harga insurans kenderaan kita ini? Macam mana ia ditentukan? Persoalan itu sebenarnya boleh dijawab dengan <a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">kalkulator insurans kereta<\/a> ini. Teruskan membaca untuk ketahui lebih lanjut. Tapi sebelum itu, kita kena tahu dulu berkenaan apakah faktor yang mempengaruhi harga insurans ini dulu.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_Perlindungan_Insurans\"><\/span>Jenis Perlindungan Insurans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadar insurans anda akan dipengaruhi berdasarkan jenis perlindungan yang anda pilih. Jika anda pilih perlindungan insurans pihak pertama, yang dikenali sebagai perlindungan komprehensif, biasanya anda akan dikenakan dengan amaun yang lebih tinggi berbanding kos insurans pihak ketiga.<\/p>\n\n\n\n<p>Ini kerana, pelan perlindungan komprehensif ini bukan sahaja akan memberi perlindungan kepada kenderaan anda, malah ia juga akan turut memberi perlindungan kepada kenderaan pihak yang terlibat dalam kemalangan disebabkan oleh anda. Insurans pihak ketiga kebiasaannya hanya akan melindungi kenderaan lain sahaja jika kemalangan. Jika anda ambil insurans pihak ketiga, anda akan terpaksa mengeluarkan wang anda sendiri untuk membaiki kerosakan kenderaan anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tahun_Pembuatan_Kenderaan\"><\/span>Tahun Pembuatan Kenderaan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tahun pembuatan kenderaan anda juga turut memainkan peranan penting dalam menentukan harga insurans kenderaan anda. Semakin tua kenderaan anda, semakin murah harga insurans yang akan dikenakan terhadap kenderaan anda.<\/p>\n\n\n\n<p>Kereta yang lebih baru pula kebiasaannya akan dikenakan harga yang mahal. Ini bermakna, jika anda baru sahaja membeli kereta baru pada tahun 2023, maka insurans yang dikenakan ke atas anda akan menjadi sedikit mahal berbanding dengan kereta lama.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Nilai_Pasaran_Kereta\"><\/span>Nilai Pasaran Kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"44749\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/attachment\/olympus-digital-camera\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?fit=2560%2C1510&amp;ssl=1\" data-orig-size=\"2560,1510\" 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;OLYMPUS DIGITAL CAMERA&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;OLYMPUS DIGITAL CAMERA&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"OLYMPUS DIGITAL CAMERA\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;OLYMPUS DIGITAL CAMERA&lt;\/p&gt;\n\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?fit=300%2C177&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?fit=1080%2C637&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"637\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=1080%2C637&#038;ssl=1\" alt=\"\" class=\"wp-image-44749\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=1080%2C637&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=300%2C177&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=768%2C453&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=1536%2C906&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?resize=2048%2C1208&amp;ssl=1 2048w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/2560px-2011_Perodua_Myvi_1.5_Extreme_in_Cyberjaya_Malaysia_02.jpg?w=2400&amp;ssl=1 2400w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption>OLYMPUS DIGITAL CAMERA<\/figcaption><\/figure><\/div>\n\n\n\n<p>Nilai pasaran sesebuah kereta itu selalunya akan menurun. Ini secara tidak langsung akan memberikan kesan yang tidak langsung ke atas beberapa kadar <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>. Kebiasaannya, kereta yang mempunyai nilai pasaran yang tinggi akan dikenakan harga insurans yang lebih mahal. Sebagai perbandingan, insurans kereta Toyota Yaris akan lebih mahal berbanding dengan kereta Perodua MyVi.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Diskaun_Tanpa_Tuntutan_NCD\"><\/span>Diskaun Tanpa Tuntutan (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Diskaun tanpa tuntutan atau lebih dikenali sebagai NCD, akan memberikan kesan ke atas harga insurans kereta anda. Ini kerana, sekiranya seseorang itu tidak pernah membuat tuntutan sepanjang lima tahun, akan mendapat diskaun sebanyak 55%. Semasa nak perbaharui insurans kereta nanti, NCD ini akan membantu untuk mengurangkan kadar harga yang akan dikenakan terhadap kenderaan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kapasiti_Enjin_Kereta\"><\/span>Kapasiti Enjin Kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"44759\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/attachment\/honda_k24a_engine_01_censored\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?fit=2048%2C1371&amp;ssl=1\" data-orig-size=\"2048,1371\" 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=\"Honda_K24A_Engine_01_censored\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?fit=300%2C201&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?fit=1080%2C723&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"723\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?resize=1080%2C723&#038;ssl=1\" alt=\"\" class=\"wp-image-44759\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?resize=1080%2C723&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?resize=300%2C201&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?resize=768%2C514&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?resize=1536%2C1028&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Honda_K24A_Engine_01_censored.jpg?w=2048&amp;ssl=1 2048w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Kuasa enjin kereta anda akan mempengaruhi jumlah insurans kereta yang akan dikenakan terhadap kenderaan anda. Jika enjin anda besar, anda akan dikenakan insurans yang agak mahal. Jika enjin anda tidak berkuasa sangat, maka anda akan menikmati harga insurans yang sedikit rendah. Sebagai contoh, harga insurans Proton Saga 1300cc biasanya lebih rendah berbanding dengan kereta jenis Honda yang mempunyai kapasiti enjin sebanyak 2000cc.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lokasi\"><\/span>Lokasi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Seakan tidak ada kena mengena kan? Tapi tahukah anda bahawa lokasi juga turut memainkan peranan penting dalam kadar insurans kenderaan yang dikenakan nanti. Jika anda tinggal di bahagian Semenanjung Malaysia, kadar insurans yang dikenakan agak tinggi berbanding dengan yang tinggal di Sabah dan Sarawak.<\/p>\n\n\n\n<p>Negeri yang mempunyai bilangan penduduk tinggi sebagai contoh Kuala Lumpur, Selangor dan Johor kebiasaannya akan dikenakan harga yang tinggi kerana keadaan trafik yang sesaknya sekaligus akan menyumbang kepada risiko kemalangan. Berbeza pula dengan negeri yang mempunyai kepadatan penduduk yang rendah seperti Perlis, Terengganu dan Kelantan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Rekod_Pemanduan\"><\/span>Rekod Pemanduan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans juga akan mempertimbangkan rekod pemanduan seseorang itu sebelum menentukan harga insurans yang akan dikenakan. Jika anda didapati mempunyai banyak kesalahan dari segi melakukan kesalahan melanggar lampu isyarat, terlibat dalam kemalangan dan lain-lain, maka harga insurans yang akan dikenakan anda akan menjadi agak mahal.<\/p>\n\n\n\n<p>Jika anda tidak ada pernah terlibat dalam kemalangan atau melakukan apa-apa kesalahan lalu lintas, maka syarikat insurans akan caj anda dengan harga yang biasa. Untuk makluman, syarikat insurans kebiasannya mengenakan harga yang lebih tinggi kepada pemandu yang mempunyai rekod tidak baik ini bagi menjamin risiko yang perlu syarikat insurans ini tanggung. Oleh itu, memandulah secara cermat untuk mengelakkan daripada dikenakan harga yang mahal.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Polisi_Tambahan\"><\/span>Polisi Tambahan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Secara logiknya, jika anda membuat sebarang penambahan dalam insurans anda, anda sudah semestinya akan dikenakan harga yang sedikit tinggi bergantung kepada penambahan apa yang diambil. Jika tiada penambahan dibuat, maka harga insurans anda akan kekal dengan harga biasa.<\/p>\n\n\n\n<p>Terdapat pelbagai penambahan yang kebiasaannya ditawarkan semasa anda nak perbaharui insurans kereta anda antaranya ialah, perlindungan cermin, kerosakan disebabkan cuaca dan rusuhan, perlindungan alat ganti baharu dan banyak lagi. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Macam_mana_nak_kira_harga_insurans\"><\/span>Macam mana nak kira harga insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Harga insurans kereta ini sebenarnya boleh dikira secara sendiri sebelum kita dah putuskan nak buat pembelian. Caranya mudah sahaja. Anda boleh menggunakan kalkulator insurans kereta yang terdapat pada laman web bernama fincrew. <\/p>\n\n\n\n<p>Laman web ini membolehkan anda untuk mengira sendiri harga insurans kereta anda sebelum anda buat pembelian. Berikut adalah langkah-langkah nak kira:<\/p>\n\n\n\n<p>Langkah 1: Layari <strong>www.fincrew.my<\/strong><\/p>\n\n\n\n<p>Langkah 2: Klik pada pilihan car insurance calculator di halaman utama<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"44762\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/attachment\/imageedit_1_8882142136-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?fit=1316%2C714&amp;ssl=1\" data-orig-size=\"1316,714\" 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=\"imageedit_1_8882142136\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?fit=300%2C163&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?fit=1080%2C586&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"586\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?resize=1080%2C586&#038;ssl=1\" alt=\"\" class=\"wp-image-44762\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?resize=1080%2C586&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?resize=300%2C163&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/imageedit_1_8882142136-1.gif?resize=768%2C417&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Langkah 3: Masukkan butiran yang dikehendaki antaranya seperti kapasiti enjin, nilai NCD dan lain-lain lagi. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"44766\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\/attachment\/screenshot-2023-12-29-175045\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?fit=878%2C792&amp;ssl=1\" data-orig-size=\"878,792\" 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=\"Screenshot 2023-12-29 175045\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?fit=300%2C271&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?fit=878%2C792&amp;ssl=1\" loading=\"lazy\" width=\"878\" height=\"792\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?resize=878%2C792&#038;ssl=1\" alt=\"\" class=\"wp-image-44766\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?w=878&amp;ssl=1 878w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?resize=300%2C271&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/Screenshot-2023-12-29-175045.png?resize=768%2C693&amp;ssl=1 768w\" sizes=\"(max-width: 878px) 100vw, 878px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Langkah 4: Klik calculate<\/p>\n\n\n\n<p>Setelah daripada itu, anda akan terus mendapat tahu berapa harga insurans kereta yang akan dikenakan kepada anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Macam_mana_nak_dapatkan_insurans_yang_murah\"><\/span>Macam mana nak dapatkan insurans yang murah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Harga insurans kenderaan sebenarnya mempunyai pelbagai faktor yang mempengaruhinya. Semua orang tahu bahawa harga insurans ini pun bukannya murah. Banyak yang mahal. Jadi, nak cari yang   murah dan bersesuaian dengan keperluan itu pastinya susah dan memerlukan masa yang lama kerana perlu buka satu persatu laman web syarikat insurans.<\/p>\n\n\n\n<p>Tapi tahukah anda bahawa, kini anda tidak perlu bersusah lagi kerana platform Bjak akan memudahkan anda mencari insurans. Platform Bjak menawarkan perbandingan insurans daripada 18 jenama yang berbeza supaya anda boleh senang untuk pilih mana yang anda mahukan. Dari harga murah sehinggalah yang ke mahal. Paling menarik sekali jika anda mempunyai masalah kekangan bajet, anda juga boleh membuat pembelian secara ansuran sehingga 12 bulan. Nak bayar secara ansuran serendah RM30 sebulan pun boleh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/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-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=guna-kalkulator-insurans-kereta\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga: <\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/bagaimana-harga-insurans-kereta-dikira\/\">Bagaimana Harga Insurans Kereta Dikira?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-renew-insurans-kereta\/\">Cara Renew Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Jika anda nak perbaharui insurans anda tapi tak tahu langsung berapa yang akan dikenakan, gunakan kalkulator ini sebagai panduan.<\/p>\n","protected":false},"author":23,"featured_media":44771,"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":[350],"tags":[26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guna Kalkulator Insurans Kereta Ini Sebagai Panduan<\/title>\n<meta name=\"description\" content=\"Jika anda nak perbaharui insurans anda tapi tak tahu langsung berapa yang akan dikenakan, gunakan kalkulator ini sebagai panduan.\" \/>\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\/insurans-kereta\/guna-kalkulator-insurans-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guna Kalkulator Insurans Kereta Ini Sebagai Panduan\" \/>\n<meta property=\"og:description\" content=\"Jika anda nak perbaharui insurans anda tapi tak tahu langsung berapa yang akan dikenakan, gunakan kalkulator ini sebagai panduan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/guna-kalkulator-insurans-kereta\" \/>\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=\"2023-12-29T10:05:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-18T09:26:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-BM-12-29-3_censored.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"Aqmal Ezany\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 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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