{"id":52872,"date":"2025-10-10T23:50:45","date_gmt":"2025-10-10T15:50:45","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=52872"},"modified":"2025-10-29T18:30:14","modified_gmt":"2025-10-29T10:30:14","slug":"5-factors-that-affect-car-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/5-factors-that-affect-car-insurance-premium","title":{"rendered":"5 Factors That Affect Car Insurance Premium"},"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-69d4887a9c109\" 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-69d4887a9c109\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-factors-that-affect-car-insurance-premium\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-factors-that-affect-car-insurance-premium\/#1_Vehicle_Age_Type\" title=\"1. Vehicle Age &amp; Type\">1. Vehicle Age &amp; Type<\/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\/5-factors-that-affect-car-insurance-premium\/#2_Residential_Location_Parking_Area\" title=\"2. Residential Location &amp; Parking Area\">2. Residential Location &amp; Parking Area<\/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\/5-factors-that-affect-car-insurance-premium\/#3_Driver%E2%80%99s_Age_Record\" title=\"3. Driver\u2019s Age &amp; Record\">3. Driver\u2019s Age &amp; Record<\/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\/5-factors-that-affect-car-insurance-premium\/#4_Type_of_Coverage_Comprehensive_vs_Third_Party\" title=\"4. Type of Coverage (Comprehensive vs Third Party)\">4. Type of Coverage (Comprehensive vs Third Party)<\/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\/5-factors-that-affect-car-insurance-premium\/#5_NCD_No_Claim_Discount\" title=\"5. NCD (No Claim Discount)\">5. NCD (No Claim Discount)<\/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\/5-factors-that-affect-car-insurance-premium\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many car owners wonder why their insurance premium differs even when their cars look similar. The answer: every insurer assesses risk differently.<br>This article breaks down the <strong>five key factors<\/strong> that influence your car insurance premium in Malaysia \u2014 so you can understand what drives the cost and how to control it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Vehicle_Age_Type\"><\/span><strong>1. Vehicle Age &amp; Type<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The older the car, the higher the risk of damage. Car models also plays a major role \u2014 imported and luxury cars usually have higher premiums due to costly parts and repairs.<br><strong>Tip:<\/strong> For older cars, consider a <strong>Third Party, Fire &amp; Theft<\/strong> plan to reduce your annual cost.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Residential_Location_Parking_Area\"><\/span><strong>2. Residential Location &amp; Parking Area<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your house address may affect your premium, urban areas in te city tend to have a higher risk due to increased accidents and theft cases in the area compared to village areas.<br><strong>Example:<\/strong> Parking your vehicle in gated or covered areas may be reduced if you declare to your insurer..<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Driver%E2%80%99s_Age_Record\"><\/span><strong>3. Driver\u2019s Age &amp; Record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance companies view younger drivers (under 25) or new license holders as higher risk. Your past records \u2014 such as traffic summonses or claims history \u2014 also matter.<br>The more claims you\u2019ve made, the higher your next premium will be.<br><strong>Tip:<\/strong> Avoid small, unnecessary claims (like minor scratches) to keep your record clean and maintain your <strong>NCD discount<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Type_of_Coverage_Comprehensive_vs_Third_Party\"><\/span><strong>4. Type of Coverage (Comprehensive vs Third Party)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your chosen plan directly affects your premium. <strong>Comprehensive insurance<\/strong> offers the widest protection, including own damage, but it\u2019s the most expensive. <strong>Third Party<\/strong> plans are cheaper and best for older vehicles.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Coverage Type<\/strong><\/td><td><strong>Protection<\/strong><\/td><td><strong>Estimated Cost<\/strong><\/td><\/tr><tr><td>Comprehensive<\/td><td>Own damage, third party, theft<\/td><td>High<\/td><\/tr><tr><td>Third Party<\/td><td>Third party only<\/td><td>Low<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_NCD_No_Claim_Discount\"><\/span><strong>5. NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The most important factor \u2014 your <strong>NCD<\/strong>. Each claim-free year increases your discount (up to <strong>55%<\/strong>). Many drivers don\u2019t realise this can save hundreds of ringgit yearly.<br><strong>Example:<\/strong> If your base premium is RM1,000, with a 55% NCD you\u2019ll only pay RM450.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"52935\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/5-factors-that-affect-car-insurance-premium\/attachment\/4-49-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"4-49\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing five key factors that affect Malaysian car insurance premiums \u2014 vehicle type, location, driver profile, plan type, and NCD discount.\n\" class=\"wp-image-52935\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-49.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Now you understand the <strong>car insurance premium factors<\/strong> that determine how much you pay.<br>With a clean driving record, high NCD, and the right coverage choice, you can significantly cut your premium cost. To check your actual rate, compare instant quotes on platforms like <strong>Bjak<\/strong>, <strong>MyEG<\/strong>, or directly from your preferred insurer.<\/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=5-factors-that-affect-car-insurance-premium\" 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\/5-reasons-young-adults-should-consider-personal-takaful\">5 Reasons Young Adults Consider Personal Takaful<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/easily-check-jpj-fines-online\">Easily Check JPJ Fines Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/getting-replacement-copy-of-your-car-insurance-cover-note\">Getting Replacement Copy of Your Car Insurance Cover Note<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Understand the five major factors that determine your car insurance premium in Malaysia \u2014 from vehicle type to NCD discounts. Learn why prices differ and how to save more when renewing your policy.<\/p>\n","protected":false},"author":31,"featured_media":52934,"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":[429,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Factors That Affect Car Insurance Premium | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: 5 Factors That Affect Car Insurance Premium and how to save more during renewals.\" \/>\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\/5-factors-that-affect-car-insurance-premium\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Factors That Affect Car Insurance Premium | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: 5 Factors That Affect Car Insurance Premium and how to save more during renewals.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/5-factors-that-affect-car-insurance-premium\" \/>\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=\"2025-10-10T15:50:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-49.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=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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