{"id":48005,"date":"2024-09-19T09:43:24","date_gmt":"2024-09-19T01:43:24","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=48005"},"modified":"2025-07-09T17:25:06","modified_gmt":"2025-07-09T09:25:06","slug":"faktor-yang-menentukan-harga-insurans-kenderaan-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda","title":{"rendered":"Profil Risiko Pemandu: Faktor Yang Menentukan Harga Insurans Kenderaan Anda"},"content":{"rendered":"\n<p>Pemprofilan risiko pemandu bermaksud penilaian berkenaan sejauh mana kemungkinan risiko tertentu berlaku dan tuntutan dibuat. Penilaian ini membantu menentukan amaun yang akan anda bayar untuk insurans. Faktor profil risiko pemandu juga memainkan peranan penting. Jika syarikat insurans menganggap anda sebagai pemandu berisiko lebih tinggi, mereka mungkin akan mengenakan bayaran premium insurans yang lebih tinggi kepada anda.<\/p>\n\n\n\n<p>Nota: Dalam <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>, terdapat pelbagai faktor yang berbeza dipertimbangkan untuk menilai risiko. Walau bagaimanapun, faktor ini mungkin berbeza bergantung pada jenis risiko yang diinsuranskan, seperti yang dinyatakan oleh Persatuan Insurans Am Malaysia (PIAM). Perlu diingat bahawa faktor ini adalah subjektif dan berdasarkan garis panduan khusus yang digunakan oleh setiap syarikat insurans.<\/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-69efcdbe8465c\" 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-69efcdbe8465c\"><\/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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Usia_pemandu\" title=\"Usia pemandu\">Usia pemandu<\/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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Usia_kereta\" title=\"Usia kereta\">Usia kereta<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi-2\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah-2\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Jantina_pemandu\" title=\"Jantina pemandu\">Jantina pemandu<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi-3\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah-3\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Rekod_tuntutan_pemandu\" title=\"Rekod tuntutan pemandu\">Rekod tuntutan pemandu<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi-4\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah-4\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Pemasangan_peranti_anti-kecurian\" title=\"Pemasangan peranti anti-kecurian\">Pemasangan peranti anti-kecurian<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi-5\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah-5\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Rekod_kesalahan_trafik\" title=\"Rekod kesalahan trafik\">Rekod kesalahan trafik<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_tinggi-6\" title=\"Berisiko tinggi\">Berisiko tinggi<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Berisiko_rendah-6\" title=\"Berisiko rendah\">Berisiko rendah<\/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\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/#Mengekalkan_profil_risiko_pemandu_yang_baik\" title=\"Mengekalkan profil risiko pemandu yang baik\">Mengekalkan profil risiko pemandu yang baik<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Usia_pemandu\"><\/span>Usia pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Statistik menunjukkan bahawa remaja dan pemandu dewasa muda berusia antara 17 dan 23 tahun mempunyai penglibatan yang tinggi dalam banyak kemalangan serius.<\/p>\n\n\n\n<p>Begitu juga dengan pemandu yang berumur 50 tahun ke atas, penyedia insurans akan menganggap mereka sebagai berisiko tinggi kerana potensi mereka untuk refleks yang lebih perlahan dan terdedah kepada keadaan kesihatan seperti Demensia, kegagalan jantung dan Parkinson, yang boleh menjejaskan kebolehan memandu mereka.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pemandu yang berumur antara 30 dan 50 mempunyai banyak pengalaman dalam mengendalikan situasi yang tidak dijangka di jalan raya dan mempamerkan reaksi yang lebih pantas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Usia_kereta\"><\/span>Usia kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi-2\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kereta lama, terutamanya yang telah mencapai usia lebih daripada 10 tahun, lebih berkemungkinan mengalami kerosakan berbanding kereta baharu.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah-2\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kereta baru mempunyai keadaan yang lebih baik dan lebih rendah risiko untuk rosak berbanding dengan yang lebih tua.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"48006\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/attachment\/pexels-jesse-zheng-1213294-1-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?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:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?resize=640%2C427&#038;ssl=1\" alt=\"\" class=\"wp-image-48006\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?w=640&amp;ssl=1 640w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/pexels-jesse-zheng-1213294-1.webp?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jantina_pemandu\"><\/span>Jantina pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi-3\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Menurut PIAM, berdasarkan kajian yang dijalankan di banyak negara maju, mendapati pemandu lelaki secara umumnya mempunyai risiko yang lebih tinggi berbanding pemandu wanita.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah-3\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Selain itu, syarikat insurans sering menganggap pemandu wanita memandu dengan lebih berhati-hati, mempunyai toleransi yang lebih besar, dan menunjukkan tingkah laku yang kurang melulu di jalan raya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Rekod_tuntutan_pemandu\"><\/span>Rekod tuntutan pemandu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi-4\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans mengkategorikan pemandu yang kerap terlibat dalam kemalangan dan memfailkan tuntutan insurans sebagai berisiko tinggi. Ini berpotensi membawa kepada premium insurans yang lebih tinggi semasa pembaharuan insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah-4\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sementara itu, syarikat insurans menganggap pemandu yang cermat dan tidak pernah membuat tuntutan insurans sebagai pemandu berisiko rendah.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pemasangan_peranti_anti-kecurian\"><\/span>Pemasangan peranti anti-kecurian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi-5\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans menganggap kereta tanpa sistem keselamatan anti kecurian adalah lebih berisiko berbanding kereta yang ada kerana mereka mempunyai peluang yang lebih tinggi untuk dicuri.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah-5\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kereta dengan sistem anti-kecurian yang diiktiraf mempunyai tahap risiko yang sederhana. Pemandu juga boleh mengurangkan lagi risiko dan layak untuk premium insurans yang lebih rendah dengan menambahkan ciri tambahan seperti telematik atau peranti penjejakan GPS.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Rekod_kesalahan_trafik\"><\/span>Rekod kesalahan trafik<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_tinggi-6\"><\/span>Berisiko tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Syarikat insurans akan melihat pemandu yang sering melanggar peraturan lalu lintas sebagai risiko yang lebih besar dan mungkin mengenakan mereka <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> yang lebih tinggi.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berisiko_rendah-6\"><\/span>Berisiko rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sementara itu, jika pemandu bertanggungjawab dan jarang mendapat masalah, penyedia insurans akan menganggap mereka berisiko rendah dan mungkin menawarkan kos insurans yang lebih rendah.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"48007\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\/attachment\/selangor-may-2021-mco-roadblocks-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?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=\"Selangor-May-2021-MCO-roadblocks\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?fit=940%2C470&amp;ssl=1\" loading=\"lazy\" width=\"940\" height=\"470\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?resize=940%2C470&#038;ssl=1\" alt=\"\" class=\"wp-image-48007\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?w=940&amp;ssl=1 940w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Selangor-May-2021-MCO-roadblocks.webp?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Mengekalkan_profil_risiko_pemandu_yang_baik\"><\/span>Mengekalkan profil risiko pemandu yang baik<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Akhir sekali, adalah penting untuk menjaga profil risiko pemandu seseorang dan mengelakkan risiko yang tidak perlu. Jadilah pemandu yang berhati-hati dan kurangkan penglibatan anda dalam kemalangan untuk mengelak daripada membuat tuntutan insurans. Dengan bersikap bertanggungjawab dan proaktif, anda berpotensi menurunkan premium insurans anda.<\/p>\n\n\n\n<p>Layari BJAK sekarang untuk menikmati diskaun eksklusif, harga menarik dan faedah untuk <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> anda tanpa sebarang masalah!<\/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=faktor-yang-menentukan-harga-insurans-kenderaan-anda\">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\/cara-nak-batalkan-insurans-kereta\/\">Cara Nak Batalkan Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/ini-kelebihan-jika-anda-renew-insurans-kereta-secara-online\/\">Ini Kelebihan Jika Anda Renew Insurans Kereta Secara Online<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-konvensional-vs-takaful\/\">Insurans Kereta Konvensional Vs Takaful<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.<\/p>\n","protected":false},"author":23,"featured_media":48060,"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>Faktor Yang Menentukan Harga Insurans Kenderaan Anda<\/title>\n<meta name=\"description\" content=\"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.\" \/>\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\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faktor Yang Menentukan Harga Insurans Kenderaan Anda\" \/>\n<meta property=\"og:description\" content=\"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\" \/>\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=\"2024-09-19T01:43:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-09T09:25:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_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=\"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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1\",\"width\":1708,\"height\":1080,\"caption\":\"harga insurans - cover\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\",\"name\":\"Faktor Yang Menentukan Harga Insurans Kenderaan Anda\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage\"},\"datePublished\":\"2024-09-19T01:43:24+00:00\",\"dateModified\":\"2025-07-09T09:25:06+00:00\",\"description\":\"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Profil Risiko Pemandu: Faktor Yang Menentukan Harga Insurans Kenderaan Anda\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da\"},\"headline\":\"Profil Risiko Pemandu: Faktor Yang Menentukan Harga Insurans Kenderaan Anda\",\"datePublished\":\"2024-09-19T01:43:24+00:00\",\"dateModified\":\"2025-07-09T09:25:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage\"},\"wordCount\":592,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da\",\"name\":\"Aqmal Ezany\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g\",\"caption\":\"Aqmal Ezany\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/sandipanbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Faktor Yang Menentukan Harga Insurans Kenderaan Anda","description":"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda","og_locale":"en_US","og_type":"article","og_title":"Faktor Yang Menentukan Harga Insurans Kenderaan Anda","og_description":"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2024-09-19T01:43:24+00:00","article_modified_time":"2025-07-09T09:25:06+00:00","og_image":[{"width":1708,"height":1080,"url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Aqmal Ezany","Est. reading time":"3 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1","width":1708,"height":1080,"caption":"harga insurans - cover"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda","name":"Faktor Yang Menentukan Harga Insurans Kenderaan Anda","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage"},"datePublished":"2024-09-19T01:43:24+00:00","dateModified":"2025-07-09T09:25:06+00:00","description":"Ketahui sebab pemandu berisiko tinggi perlu membayar premium insurans kereta yang lebih tinggi berbanding pemandu berisiko rendah.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Profil Risiko Pemandu: Faktor Yang Menentukan Harga Insurans Kenderaan Anda"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da"},"headline":"Profil Risiko Pemandu: Faktor Yang Menentukan Harga Insurans Kenderaan Anda","datePublished":"2024-09-19T01:43:24+00:00","dateModified":"2025-07-09T09:25:06+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#webpage"},"wordCount":592,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/faktor-yang-menentukan-harga-insurans-kenderaan-anda#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1","keywords":["BM","insurans kereta"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da","name":"Aqmal Ezany","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g","caption":"Aqmal Ezany"},"url":"https:\/\/bjak.my\/blog\/author\/sandipanbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/Artboard-5-copy-5_censored.jpg?fit=1708%2C1080&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/48005"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=48005"}],"version-history":[{"count":2,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/48005\/revisions"}],"predecessor-version":[{"id":48813,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/48005\/revisions\/48813"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/48060"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=48005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=48005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=48005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}