{"id":51716,"date":"2025-09-20T19:25:20","date_gmt":"2025-09-20T11:25:20","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51716"},"modified":"2025-10-29T18:30:29","modified_gmt":"2025-10-29T10:30:29","slug":"calculate-your-cars-market-value-before-choosing-coverage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/calculate-your-cars-market-value-before-choosing-coverage","title":{"rendered":"Calculate Your Car&#8217;s Market Value Before Choosing Coverage"},"content":{"rendered":"\n<p>Plenty of drivers just copy last year\u2019s number when they renew insurance. Easy, but not smart. The thing is, <strong>calculate your car\u2019s market value<\/strong> before you decide coverage is what really matters. If you over-insure, you\u2019ll pay more for nothing. If you under-insure, you\u2019ll hate yourself when the payout comes up short.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-69d4930c632f9\" 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-69d4930c632f9\"><\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#Why_Market_Value_Matters\" title=\"Why Market Value Matters\">Why Market Value Matters<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#What_Counts_As_Market_Value\" title=\"What Counts As Market Value?\">What Counts As Market Value?<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#How_to_Figure_It_Out\" title=\"How to Figure It Out\">How to Figure It Out<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#Premium_Example\" title=\"Premium Example\">Premium Example<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#Over-Insured_vs_Under-Insured\" title=\"Over-Insured vs Under-Insured\">Over-Insured vs Under-Insured<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#Tips_To_Nail_It\" title=\"Tips To Nail It\">Tips To Nail It<\/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\/calculate-your-cars-market-value-before-choosing-coverage\/#Wrapping_Up\" title=\"Wrapping Up\">Wrapping Up<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Market_Value_Matters\"><\/span>Why Market Value Matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Market value is basically what your car would sell for right now. Doesn\u2019t matter what you <em>think<\/em> it\u2019s worth, insurers only go by that. They won\u2019t pay above it. Example: car worth RM40k but you cover RM50k. Payout still RM40k. Congrats, you just donated extra to your insurer.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Counts_As_Market_Value\"><\/span>What Counts As Market Value?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It\u2019s the open market price. Depends on age, brand, model, mileage, condition, even how well you kept service records. Every car tells a different story, so the value shifts.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_Figure_It_Out\"><\/span>How to Figure It Out<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Check PIAM or JPJ tables<\/strong> \u2013 simple starting point.<\/li><li><strong>Use online platforms<\/strong> \u2013 MyEG, Bjak, insurer sites spit out estimates once you key details.<\/li><li><strong>Browse ads<\/strong> \u2013 Mudah.my, Carlist, see what people are actually asking.<\/li><li><strong>Think about your car\u2019s state<\/strong> \u2013 low mileage, new rims, spotless interior? That can bump it up.<\/li><li><strong>Ask a dealer or workshop<\/strong> \u2013 they deal with trade-ins daily and usually have a fair sense of price.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Premium_Example\"><\/span>Premium Example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Say your car\u2019s worth RM40k. Premium rate 2.5%. Base premium: <strong>RM1,000<\/strong>.<\/p>\n\n\n\n<ul><li>Insure at RM50k \u2192 premium RM1,250 (wasted cash).<\/li><li>Insure at RM30k \u2192 premium RM750 (cheap, but weak payout).<br>Feels okay at first, but when you make a claim, reality hits and you realize why the math matters.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Over-Insured_vs_Under-Insured\"><\/span>Over-Insured vs Under-Insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><thead><tr><th>Situation<\/th><th>Market Value<\/th><th>Coverage<\/th><th>Result<\/th><\/tr><\/thead><tbody><tr><td>Over-Insured<\/td><td>RM40k<\/td><td>RM50k<\/td><td>Premium higher, payout max RM40k<\/td><\/tr><tr><td>Under-Insured<\/td><td>RM40k<\/td><td>RM30k<\/td><td>Payout cut, insurer pays less<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51752\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/calculate-your-cars-market-value-before-choosing-coverage\/attachment\/4-48-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-48\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing difference between over-insured and under-insured coverage.\" class=\"wp-image-51752\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-48.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_To_Nail_It\"><\/span>Tips To Nail It<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Stick to <strong>90\u2013100% of market value<\/strong>.<\/li><li>Don\u2019t go too low just to \u201csave.\u201d<\/li><li>Compare across platforms.<\/li><li>Recheck every year since cars lose value.<\/li><li>Still confused? Call an agent or ask your insurer.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Wrapping_Up\"><\/span>Wrapping Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bottom line: <strong>Calculate your car\u2019s market value<\/strong> before picking a coverage amount saves money and stress. Take five minutes, run the checks, and you\u2019ll thank yourself when claim time comes.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=calculate-your-cars-market-value-before-choosing-coverage\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/benefits-of-online-car-insurance-for-long-trips\">Benefits of Online Car Insurance for Long Trips<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/safe-steps-to-renew-car-insurance-without-agent\">Safe Steps To Renew Car Insurance Without Agent<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-transfer-car-insurance-policy-when-selling-a-vehicle\">How to Transfer Car Insurance Policy When Selling a Vehicle<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plenty of drivers just copy last year\u2019s number when they renew insurance. Easy, but not smart. The thing is, calculate your car\u2019s market value before you decide coverage is what really matters. If you over-insure, you\u2019ll pay more for nothing. If you under-insure, you\u2019ll hate yourself when the payout comes up short. Why Market Value&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/calculate-your-cars-market-value-before-choosing-coverage\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Calculate Your Car&#8217;s Market Value Before Choosing Coverage<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51751,"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":[429,42,59,88,2836],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Calculate Your Car&#039;s Market Value Before Choosing Coverage | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Calculate Your Car&#039;s Market Value Before Choosing Coverage . 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