{"id":53628,"date":"2025-10-18T20:08:01","date_gmt":"2025-10-18T12:08:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53628"},"modified":"2025-10-29T18:30:03","modified_gmt":"2025-10-29T10:30:03","slug":"save-up-to-25-on-your-car-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/save-up-to-25-on-your-car-insurance-premium","title":{"rendered":"Save Up to 25% on Your 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-6a09bac8edf30\" 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-6a09bac8edf30\"><\/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\/save-up-to-25-on-your-car-insurance-premium\/#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\/save-up-to-25-on-your-car-insurance-premium\/#1_Check_and_Maximize_Your_NCD_Discount\" title=\"1. Check and Maximize Your NCD Discount\">1. Check and Maximize Your NCD Discount<\/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\/save-up-to-25-on-your-car-insurance-premium\/#2_Compare_Prices_Across_Different_Insurers\" title=\"2. Compare Prices Across Different Insurers\">2. Compare Prices Across Different Insurers<\/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\/save-up-to-25-on-your-car-insurance-premium\/#3_Choose_the_Right_Coverage_Type\" title=\"3. Choose the Right Coverage Type\">3. Choose the Right Coverage Type<\/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\/save-up-to-25-on-your-car-insurance-premium\/#4_Avoid_Coverage_Gaps\" title=\"4. Avoid Coverage Gaps\">4. Avoid Coverage Gaps<\/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\/save-up-to-25-on-your-car-insurance-premium\/#5_Use_Installment_Plans_BNPL_for_Tight_Budgets\" title=\"5. Use Installment Plans (BNPL) for Tight Budgets\">5. Use Installment Plans (BNPL) for Tight Budgets<\/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\/save-up-to-25-on-your-car-insurance-premium\/#6_Review_Your_Vehicle%E2%80%99s_Market_Value\" title=\"6. Review Your Vehicle\u2019s Market Value\">6. Review Your Vehicle\u2019s Market Value<\/a><\/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\/save-up-to-25-on-your-car-insurance-premium\/#7_Take_Advantage_of_Promotions_and_Discount_Codes\" title=\"7. Take Advantage of Promotions and Discount Codes\">7. Take Advantage of Promotions and Discount Codes<\/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\/save-up-to-25-on-your-car-insurance-premium\/#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>Many car owners in Malaysia pay more for insurance every year without realizing there are simple ways to <strong>save up to 25%<\/strong> from their original premium.<br>The key is understanding what affects your insurance price and using the right strategies before renewal.<\/p>\n\n\n\n<p>With platforms like <strong>BJAK.my<\/strong>, you can easily compare plans from multiple insurers, check your <strong>No Claim Discount (NCD)<\/strong>, and choose the best protection for your budget \u2014 all in one place.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Check_and_Maximize_Your_NCD_Discount\"><\/span><strong>1. Check and Maximize Your NCD Discount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>No Claim Discount (NCD)<\/strong> is a reward given to drivers who make no insurance claims during their policy period.<br>Each claim-free year increases your discount rate \u2014 up to <strong>55% for private cars<\/strong> and <strong>25% for motorcycles<\/strong>.<\/p>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong> If your base premium is RM1,000 and you have a 55% NCD, you\u2019ll only pay RM450 for your next renewal.<br>That\u2019s why you should avoid making small claims that could reset your NCD and cost you more in the long run.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Compare_Prices_Across_Different_Insurers\"><\/span><strong>2. Compare Prices Across Different Insurers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Never buy from the first insurer you see \u2014 premium rates vary even for similar coverage.<\/p>\n\n\n\n<p>On <strong>BJAK.my<\/strong>, you can:<\/p>\n\n\n\n<ul><li>Instantly view prices from over 10 insurance companies.<br><\/li><li>Filter based on your budget and desired coverage (comprehensive, third party, flood, etc.).<br><\/li><li>Choose the most valuable plan before making payment.<br><\/li><\/ul>\n\n\n\n<p>Comparing before you buy can make a <strong>10\u201325% difference<\/strong> in premium costs between insurers.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Choose_the_Right_Coverage_Type\"><\/span><strong>3. Choose the Right Coverage Type<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many drivers overpay because they include unnecessary add-ons.<br>Before renewing, review whether add-ons such as:<\/p>\n\n\n\n<ul><li>Windshield protection<br><\/li><li>Towing and roadside assistance<br><\/li><li>Natural disaster coverage<br><\/li><\/ul>\n\n\n\n<p>are still relevant to your current situation.<br>If you rarely drive or park in a secure area, removing certain add-ons can help you save significantly.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Avoid_Coverage_Gaps\"><\/span><strong>4. Avoid Coverage Gaps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some drivers renew their policy <strong>weeks after expiry<\/strong>, thinking it doesn\u2019t matter \u2014 but it does.<br>A gap in coverage can cause your NCD record to reset, meaning you\u2019ll lose your 25\u201355% discount and pay the <strong>full premium<\/strong> again.<\/p>\n\n\n\n<p>To avoid this, renew early. <strong>BJAK<\/strong> allows renewals <strong>up to two months in advance<\/strong> to prevent any lapse in protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Use_Installment_Plans_BNPL_for_Tight_Budgets\"><\/span><strong>5. Use Installment Plans (BNPL) for Tight Budgets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many delay renewal simply because they can\u2019t afford to pay the full amount at once.<br>With <strong>Buy Now Pay Later (BNPL)<\/strong> on <strong>BJAK<\/strong>, you can <strong>activate coverage instantly<\/strong> and pay in monthly installments \u2014 with <strong>no hidden fees<\/strong>.<\/p>\n\n\n\n<p>It\u2019s always better to pay in parts than to risk driving without insurance at all.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_Review_Your_Vehicle%E2%80%99s_Market_Value\"><\/span><strong>6. Review Your Vehicle\u2019s Market Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance premiums are calculated based on your car\u2019s <strong>current market value<\/strong>.<br>If your car is older, avoid over-insuring it \u2014 paying for a value higher than market price only increases your premium unnecessarily.<\/p>\n\n\n\n<p>Use a <strong>market value calculator<\/strong> (available on BJAK.my or insurer websites) to check your car\u2019s actual worth before confirming your policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"7_Take_Advantage_of_Promotions_and_Discount_Codes\"><\/span><strong>7. Take Advantage of Promotions and Discount Codes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some platforms or insurers offer <strong>seasonal promo codes<\/strong> or <strong>special online discounts<\/strong> for renewals.<br>For example, <strong>BJAK<\/strong> frequently runs promotions that can help you save on <strong>additional fees<\/strong> like physical roadtax delivery.<\/p>\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>To save on your car insurance premium doesn\u2019t mean cutting coverage \u2014 it\u2019s about choosing smartly.<br>By maximizing your NCD, comparing prices, reviewing add-ons, and using flexible BNPL plans, you can save <strong>up to 25% or more every year<\/strong>.<\/p>\n\n\n\n<p>Visit <strong>BJAK.my<\/strong> today to check your actual rate and find the most valuable policy before your current one expires.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53690\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/save-up-to-25-on-your-car-insurance-premium\/attachment\/4-113\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.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=\"4-113\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.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\/10\/4-113.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic titled \u201c7 Ways to Save Up to 25% on Insurance Premiums\u201d featuring seven icons \u2014 \ud83d\udcc9 NCD, \ud83d\ude97 price comparison, \ud83d\udcb8 add-ons, \ud83e\uddfe car value, \ud83d\udee1\ufe0f BNPL, \ud83d\udca1 smart tips, and \ud83d\udcb0 savings. Bright blue and green theme for a positive financial vibe.\n\" class=\"wp-image-53690\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-113.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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=save-up-to-25-on-your-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\/how-does-the-ncd-no-claim-discount-work\">How Does the NCD (No Claim Discount) Work?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\">How to Claim Insurance When Your Car Is Hit by a Third Party<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/what-is-an-ecovernote-and-why-do-you-need-it\">What Is an eCoverNote and Why Do You Need It?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Want to lower your car insurance cost without reducing coverage? Here\u2019s how you can save up to 25% on your premium \u2014 including checking your NCD rate, comparing prices, and choosing flexible plans through BJAK.<\/p>\n","protected":false},"author":31,"featured_media":53689,"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":[88,424,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Save Up to 25% on Your Car Insurance Premium | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Save Up to 25% on Your Car Insurance Premium . 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