{"id":55114,"date":"2025-11-06T03:30:59","date_gmt":"2025-11-05T19:30:59","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55114"},"modified":"2025-11-06T03:31:01","modified_gmt":"2025-11-05T19:31:01","slug":"secrets-behind-cheap-premiums-how-price-is-determined","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/secrets-behind-cheap-premiums-how-price-is-determined","title":{"rendered":"Secrets Behind Cheap Premiums \u2014 How Price Is Determined"},"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-69d45d0dab8d2\" 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-69d45d0dab8d2\"><\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#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\/secrets-behind-cheap-premiums-how-price-is-determined\/#1_Type_of_Coverage_Vehicle_Value\" title=\"1. Type of Coverage &amp; Vehicle Value\">1. Type of Coverage &amp; Vehicle Value<\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#2_Driver_Profile_NCD_Record\" title=\"2. Driver Profile &amp; NCD Record\">2. Driver Profile &amp; NCD Record<\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#3_Vehicle_Type_Usage\" title=\"3. Vehicle Type &amp; Usage\">3. Vehicle Type &amp; Usage<\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#4_Location_Risk_Level\" title=\"4. Location &amp; Risk Level\">4. Location &amp; Risk Level<\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#5_Claim_History_Insurer_Brand\" title=\"5. Claim History &amp; Insurer Brand\">5. Claim History &amp; Insurer Brand<\/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\/secrets-behind-cheap-premiums-how-price-is-determined\/#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 drivers ask the same question \u2014 \u201cWhy is my insurance premium cheaper or more expensive than others?\u201d The truth is, insurers don\u2019t just pick numbers at random. Every cent is calculated using data, risk levels, and your driving record. With <strong>BJAK<\/strong>, you can clearly see how each factor influences your policy price \u2014 and how to find the best deal for your car by understanding the secrets behing cheap premiums<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Type_of_Coverage_Vehicle_Value\"><\/span><strong>1. Type of Coverage &amp; Vehicle Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The higher your car\u2019s value, the higher the potential claim payout \u2014 which means higher premiums.<\/p>\n\n\n\n<ul><li><strong>Comprehensive (1st Party):<\/strong> Covers accidents, theft, natural disasters, and own damage.<br><\/li><li><strong>3rd Party, Fire &amp; Theft:<\/strong> Basic protection at a lower cost.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> If your car is over 10 years old, consider a 3rd party plan for better savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Driver_Profile_NCD_Record\"><\/span><strong>2. Driver Profile &amp; NCD Record<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Age, gender, location, and accident history all affect your rate.<\/p>\n\n\n\n<ul><li>Younger drivers (18\u201325) tend to pay higher premiums.<br><\/li><li>Your <strong>No Claim Discount (NCD)<\/strong> can lower costs by up to <strong>55%<\/strong> if you\u2019ve made no claims.<br><\/li><\/ul>\n\n\n\n<p>BJAK automatically checks your NCD rate during your quotation, so you always see an accurate premium.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Vehicle_Type_Usage\"><\/span><strong>3. Vehicle Type &amp; Usage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Private, commercial, and e-hailing vehicles are priced differently.<\/p>\n\n\n\n<ul><li><strong>Commercial or e-hailing<\/strong> cars carry higher risk.<br><\/li><li><strong>Compact city cars<\/strong> like Myvi or Axia usually enjoy lower premiums.<br><\/li><\/ul>\n\n\n\n<p>Insurers like Allianz and Liberty listed on BJAK assess vehicle usage carefully to match fair pricing with risk levels.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Location_Risk_Level\"><\/span><strong>4. Location &amp; Risk Level<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Where you live or park your car matters too.<br>Areas with high crime, flood, or accident rates often have slightly higher premiums.<br>For example, cars in <strong>Klang Valley<\/strong> may be priced higher than those in rural areas due to heavier traffic and accident frequency.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Claim_History_Insurer_Brand\"><\/span><strong>5. Claim History &amp; Insurer Brand<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019ve filed multiple claims before, your risk profile goes up \u2014 and so does your premium.<br>Also, every insurer uses a unique pricing formula, which is why you might see different prices for the same car on BJAK.<\/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=\"55167\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/secrets-behind-cheap-premiums-how-price-is-determined\/attachment\/4-28-4\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.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=\"4-28\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.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\/11\/4-28.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing five main factors that affect car insurance premium rates in Malaysia via BJAK\u2019s comparison system.\" class=\"wp-image-55167\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-28.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=\"Conclusion\"><\/span><strong>Conclusion:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The secrets behind cheap premiums aren\u2019t just random discounts \u2014 they\u2019re the result of calculated risk assessments.<br>With <strong>BJAK<\/strong>, you can easily compare premium prices from different insurers, understand what drives those costs, and choose the most worthwhile policy that fits your budget and driving habits.<\/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=secrets-behind-cheap-premiums--how-price-is-determined\" 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\/renew-roadtax-for-someone-else-documents-requirements\">Renew Roadtax for Someone Else \u2014 Documents &amp; Requirements<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renew-roadtax-in-2-minutes-using-bjak\">Renew Roadtax in 2 Minutes Using BJAK<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/renewing-motorcycle-vs-car-roadtax-the-difference\">Renewing Motorcycle vs Car Roadtax \u2014 The Difference?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever wondered why your car insurance premium is cheaper than someone else\u2019s? It\u2019s not just luck \u2014 insurers calculate it based on various factors like age, vehicle type, location, and driving history. Here\u2019s the real secret behind cheap premiums, explained through BJAK\u2019s transparent comparison system.<\/p>\n","protected":false},"author":31,"featured_media":55166,"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>Secrets Behind Cheap Premiums \u2014 How Price Is Determined | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Secrets Behind Cheap Premiums \u2014 How Price Is Determined Based On Risk Factors, Vehicle Type &amp; Claim History\" \/>\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\/secrets-behind-cheap-premiums-how-price-is-determined\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Secrets Behind Cheap Premiums \u2014 How Price Is Determined | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Secrets Behind Cheap Premiums \u2014 How Price Is Determined Based On Risk Factors, Vehicle Type &amp; Claim History\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/secrets-behind-cheap-premiums-how-price-is-determined\" \/>\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=\"2025-11-05T19:30:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T19:31:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-28.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! 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