{"id":52066,"date":"2025-09-27T20:32:52","date_gmt":"2025-09-27T12:32:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52066"},"modified":"2025-10-29T18:30:24","modified_gmt":"2025-10-29T10:30:24","slug":"renewing-car-insurance-early-is-cheaper-why","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why","title":{"rendered":"Renewing Car Insurance Early is Cheaper, Why?"},"content":{"rendered":"\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-69d442c237da1\" 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-69d442c237da1\"><\/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\/renewing-car-insurance-early-is-cheaper-why\/#Introduction\" title=\"Introduction\">Introduction<\/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\/renewing-car-insurance-early-is-cheaper-why\/#Why_is_Renewing_Early_Cheaper\" title=\"Why is Renewing Early Cheaper?\">Why is Renewing Early Cheaper?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#1_Protect_Your_NCD\" title=\"1. Protect Your NCD\">1. Protect Your NCD<\/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\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#2_Avoid_Penalties_or_Extra_Charges\" title=\"2. Avoid Penalties or Extra Charges\">2. Avoid Penalties or Extra Charges<\/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\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#3_Lock_in_Lower_Premiums\" title=\"3. Lock in Lower Premiums\">3. Lock in Lower Premiums<\/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\/renewing-car-insurance-early-is-cheaper-why\/#4_More_Time_to_Compare_Policies\" title=\"4. More Time to Compare Policies\">4. More Time to Compare Policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#5_Smooth_Roadtax_Renewal\" title=\"5. Smooth Roadtax Renewal\">5. Smooth Roadtax Renewal<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#Platforms_to_Renew_Early\" title=\"Platforms to Renew Early\">Platforms to Renew Early<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lot of you drivers tend to wait until the last minute to renew your car insurance thinking it&#8217;s a waste whilst your coverage is still active. When in fact, <strong>renewing car insurance early <\/strong>by 2 months before expiry date and you\u2019re able to grab in on the cheaper premiums. By doing so, you can avoid penalties and coverage just in case there\u2019s a hiccup in the renewal process.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_is_Renewing_Early_Cheaper\"><\/span><strong>Why is Renewing Early Cheaper?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Protect_Your_NCD\"><\/span><strong>1. Protect Your NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>No Claim Discount (NCD)<\/strong> may be lost if your policy lapses.<br><\/li><li>Renewing early ensures that your NCD will be update to date.<br><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Avoid_Penalties_or_Extra_Charges\"><\/span><strong>2. Avoid Penalties or Extra Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Some insurers impose surcharges if there\u2019s a <strong>gap in coverage<\/strong>.<br><\/li><li>Renewing ahead of time saves you from paying unnecessary fees.<br><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Lock_in_Lower_Premiums\"><\/span><strong>3. Lock in Lower Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Premiums are often adjusted yearly based on risk and inflation.<br><\/li><li>By renewing early, you secure your current rate before prices rise.<br><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_More_Time_to_Compare_Policies\"><\/span><strong>4. More Time to Compare Policies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Last minute renewal can cloud your decision making just so your policy is active.<br><\/li><li>Renewing early will provide peace of mind by comparing using available platforms<br><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Smooth_Roadtax_Renewal\"><\/span><strong>5. Smooth Roadtax Renewal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Roadtax can only be renewed if insurance is active.<br><\/li><li>Renewing early means no stress as the expiry date approaches.<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52099\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-car-insurance-early-is-cheaper-why\/attachment\/4-74\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.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=\"4-74\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"5 Reasons Renewing Early is Cheaper\u201d with icons: \u2705 NCD protection, \ud83d\udcb8 avoid extra fees, \ud83d\udd12 lock premium price, \ud83d\udd0d compare policies, \ud83d\udcc5 easier roadtax renewal. Placed after the section Why is Renewing Early Cheaper?\" class=\"wp-image-52099\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-74.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=\"Platforms_to_Renew_Early\"><\/span><strong>Platforms to Renew Early<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can easily check and renew insurance ahead of time via:<\/p>\n\n\n\n<ul><li><strong>Bjak<\/strong> \u2013 compare multiple insurers at once, with installments from RM50\/month.<br><\/li><li><strong>MyEG<\/strong> \u2013 an official portal for insurance and roadtax.<br><\/li><li><strong>JPJ \/ MyJPJ<\/strong> \u2013 direct renewal with the authority.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Don\u2019t be those people that renew at the last minute and end up regretting the potential risk that could befall upon you. <strong>Renewing car insurance early<\/strong> is the smartest and safest choice to lock in a better premium at an earlier date by using platforms like Bjak to compare those rates yourself, and when the time comes around to your policy expiry, you\u2019ll know that your new coverage will kick in the next day.<\/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=renewing-car-insurance-early-is-cheaper-why\" 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\/save-simple-compare-a-guide-to-renewing-online\">Save, Simple &amp; Compare: A Guide to Renewing Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-helps-compare-car-insurance-plans-instantly\">BJAK Helps Compare Car Insurance Plans Instantly<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/young-malaysian-drivers-choices-for-best-car-insurance\">Young Malaysian Drivers\u2019 Choices For Best Car Insurance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Renewing car insurance early is cheaper. Secure your NCD, avoid penalties, lock lower premiums, and compare policies easily with Bjak.<\/p>\n","protected":false},"author":31,"featured_media":52098,"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":[429,2870,59,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renewing Car Insurance Early is Cheaper, Why? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Renewing Car Insurance Early is Cheaper, Why? 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