{"id":53816,"date":"2025-10-22T23:39:42","date_gmt":"2025-10-22T15:39:42","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53816"},"modified":"2025-10-29T23:55:45","modified_gmt":"2025-10-29T15:55:45","slug":"cara-kira-premium-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta","title":{"rendered":"Cara Kira Premium Insuran Kereta"},"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-69d45cdb971b0\" 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-69d45cdb971b0\"><\/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\/insurans-kereta\/cara-kira-premium-insuran-kereta\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/insurans-kereta\/cara-kira-premium-insuran-kereta\/#1_Jenis_Perlindungan\" title=\"1. Jenis Perlindungan\">1. Jenis Perlindungan<\/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\/cara-kira-premium-insuran-kereta\/#2_Nilai_Pasaran_Umur_Kereta\" title=\"2. Nilai Pasaran &amp; Umur Kereta\">2. Nilai Pasaran &amp; Umur Kereta<\/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\/insurans-kereta\/cara-kira-premium-insuran-kereta\/#3_NCD_No_Claim_Discount\" title=\"3. NCD (No Claim Discount)\">3. 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-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\/#4_Umur_Rekod_Pemandu\" title=\"4. Umur &amp; Rekod Pemandu\">4. Umur &amp; Rekod Pemandu<\/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\/cara-kira-premium-insuran-kereta\/#5_Lokasi_dan_Jenis_Penggunaan\" title=\"5. Lokasi dan Jenis Penggunaan\">5. Lokasi dan Jenis Penggunaan<\/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\/insurans-kereta\/cara-kira-premium-insuran-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pernah tak masa renew insurans, harga kereta sendiri tiba-tiba jauh beza dengan orang lain? Hakikatnya, setiap syarikat guna formula tersendiri untuk <strong>kira premium insuran kereta<\/strong> berdasarkan beberapa faktor utama. Ada faktor yang boleh kita kawal, ada juga yang memang ikut risiko. Bila faham cara kiraan ni, lebih senang untuk nilai sama ada harga yang keluar tu masuk akal bila semak di BJAK nanti.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Jenis_Perlindungan\"><\/span><strong>1. Jenis Perlindungan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ini antara faktor paling besar yang tentukan premium.<br>Kalau pilih <strong>Comprehensive Coverage<\/strong>, harganya memang lebih tinggi sebab liputan lebih luas \u2014 termasuk kemalangan, kecurian, dan kebakaran.<br>Tapi kalau ambil <strong>Third Party<\/strong> atau <strong>Third Party, Fire &amp; Theft<\/strong>, premium jadi lebih murah sebab perlindungan terhad.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Nilai_Pasaran_Umur_Kereta\"><\/span><strong>2. Nilai Pasaran &amp; Umur Kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Semakin baru dan mahal sesebuah kereta, semakin tinggi premium sebab nilai gantian pun besar. Bila kereta makin lama, premium biasanya turun sebab nilai pasaran susut \u2014 tapi kadang boleh naik semula kalau risiko kerosakan dianggap lebih tinggi oleh pihak insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_NCD_No_Claim_Discount\"><\/span><strong>3. NCD (No Claim Discount)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NCD ni diskaun khas bagi pemandu yang tak pernah buat tuntutan. Setiap tahun tanpa claim, diskaun meningkat \u2014 boleh cecah hingga 55%.<br>Tapi bila ada tuntutan, NCD akan reset semula ke 0%. Jadi dua kereta sama model boleh ada beza harga besar semata-mata sebab perbezaan NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Umur_Rekod_Pemandu\"><\/span><strong>4. Umur &amp; Rekod Pemandu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pemandu muda atau baru dapat lesen biasanya kena premium lebih tinggi sebab dikira berisiko. Kalau ada sejarah kemalangan atau tuntutan sebelum ni, kadar premium pun boleh meningkat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Lokasi_dan_Jenis_Penggunaan\"><\/span><strong>5. Lokasi dan Jenis Penggunaan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kenderaan yang berdaftar di bandar besar seperti Kuala Lumpur atau Johor Bahru cenderung dapat premium lebih tinggi sebab risiko kemalangan dan kecurian lebih besar.<br>Kalau kereta digunakan setiap hari (contohnya untuk ulang-alik kerja), premium pun mungkin sedikit tinggi berbanding kereta hujung minggu.<\/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=\"53880\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\/attachment\/3-124\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.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=\"3-124\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.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\/3-124.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan empat faktor utama yang mempengaruhi premium insurans kereta di Malaysia \u2014 jenis kenderaan, umur kereta, umur pemandu, dan diskaun NCD.\" class=\"wp-image-53880\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-124.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<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tiada satu formula tetap untuk semua bila nak <strong>kira premium insuran kereta<\/strong>, tapi bila tahu faktor-faktor yang mempengaruhinya, anda boleh semak sama ada harga yang ditawarkan tu wajar atau tidak.<br>Cara paling mudah \u2014 masukkan nombor plat kereta anda di <strong>BJAK.my<\/strong>, dan sistem akan terus kira anggaran premium berdasarkan data JPJ dan NCD semasa.<br>Semua proses siap dalam beberapa saat, tanpa perlu congak manual.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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=cara-kira-premium-insuran-kereta\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\">Kelebihan Insurans Tambahan Seperti Perlindungan PA<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kepentingan-named-driver\">Kepentingan \u201cNamed Driver\u201d<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tuntutan-kemalangan-disebabkan-haiwan-di-jalan-raya\">Tuntutan Kemalangan Disebabkan Haiwan Di Jalan Raya<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemandu tertanya-tanya kenapa harga insurans tak sama walaupun jenis kereta lebih kurang. Artikel ni terangkan cara kira premium insurans kereta di Malaysia dan faktor sebenar yang mempengaruhi harga.<\/p>\n","protected":false},"author":31,"featured_media":53879,"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":[2762,172],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Kira Premium Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!\" \/>\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\/cara-kira-premium-insuran-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Kira Premium Insuran Kereta | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\" \/>\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=\"2025-10-22T15:39:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T15:55:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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! 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\/cara-kira-premium-insuran-kereta#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Cara Kira Premium Insuran Kereta\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\",\"name\":\"Cara Kira Premium Insuran Kereta | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#primaryimage\"},\"datePublished\":\"2025-10-22T15:39:42+00:00\",\"dateModified\":\"2025-10-29T15:55:45+00:00\",\"description\":\"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cara Kira Premium Insuran Kereta\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Cara Kira Premium Insuran Kereta\",\"datePublished\":\"2025-10-22T15:39:42+00:00\",\"dateModified\":\"2025-10-29T15:55:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage\"},\"wordCount\":369,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Insuran Kereta\",\"premium\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"tariqsiregar@bjak.my\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"tariqsiregar@bjak.my\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cara Kira Premium Insuran Kereta | BJAK","description":"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!","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\/cara-kira-premium-insuran-kereta","og_locale":"en_US","og_type":"article","og_title":"Cara Kira Premium Insuran Kereta | BJAK","og_description":"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-10-22T15:39:42+00:00","article_modified_time":"2025-10-29T15:55:45+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"tariqsiregar@bjak.my","Est. reading time":"2 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\/cara-kira-premium-insuran-kereta#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Cara Kira Premium Insuran Kereta"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta","name":"Cara Kira Premium Insuran Kereta | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#primaryimage"},"datePublished":"2025-10-22T15:39:42+00:00","dateModified":"2025-10-29T15:55:45+00:00","description":"BJAK | Read about: Cara Kira Premium Insuran Kereta . Panduan langkah untuk semakan anggaran harga melalui BJAK!","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Cara Kira Premium Insuran Kereta"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Cara Kira Premium Insuran Kereta","datePublished":"2025-10-22T15:39:42+00:00","dateModified":"2025-10-29T15:55:45+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#webpage"},"wordCount":369,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1","keywords":["Insuran Kereta","premium"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"tariqsiregar@bjak.my","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"tariqsiregar@bjak.my"},"url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-124.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53816"}],"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\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=53816"}],"version-history":[{"count":3,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53816\/revisions"}],"predecessor-version":[{"id":53881,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/53816\/revisions\/53881"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/53879"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=53816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=53816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=53816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}