{"id":57100,"date":"2025-11-29T01:38:25","date_gmt":"2025-11-28T17:38:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=57100"},"modified":"2025-11-29T01:38:27","modified_gmt":"2025-11-28T17:38:27","slug":"car-choice-affects-your-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-choice-affects-your-premium","title":{"rendered":"Car Choice Affects Your 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-69d7ce27d8bc5\" 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-69d7ce27d8bc5\"><\/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\/car-choice-affects-your-premium\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-choice-affects-your-premium\/#1_Factors_That_Affect_Insurance_Premiums\" title=\"1. Factors That Affect Insurance Premiums\">1. Factors That Affect Insurance Premiums<\/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\/car-choice-affects-your-premium\/#2_The_Relationship_Between_Maintenance_Insurance\" title=\"2. The Relationship Between Maintenance &amp; Insurance\">2. The Relationship Between Maintenance &amp; Insurance<\/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\/car-choice-affects-your-premium\/#3_Smart_Tips_for_Choosing_a_Car_for_Optimal_Premium_Maintenance\" title=\"3. Smart Tips for Choosing a Car for Optimal Premium &amp; Maintenance\">3. Smart Tips for Choosing a Car for Optimal Premium &amp; Maintenance<\/a><\/li><\/ul><\/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\/car-choice-affects-your-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><strong><br>Car Choice Affects Your Premium<\/strong> because the type of vehicle you select directly impacts both insurance and maintenance costs. <strong>For example<\/strong>, sports cars or imported vehicles often carry higher premiums and upkeep expenses, whereas smaller or locally made models are generally more affordable. <strong>With BJAK<\/strong>, car owners can compare insurance premiums, understand potential maintenance costs, and make well-informed purchasing decisions without surprises.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Factors_That_Affect_Insurance_Premiums\"><\/span><strong>1. Factors That Affect Insurance Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Car type:<\/strong> SUV, sedan, hatchback, or imported car<br><\/li><li><strong>Value:<\/strong> More expensive cars usually have higher premiums<br><\/li><li><strong>Vehicle age:<\/strong> New cars vs. cars older than 5 years\u2014higher risk of damage<br><\/li><li><strong>Policy type:<\/strong> Comprehensive, Takaful, or basic coverage<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_The_Relationship_Between_Maintenance_Insurance\"><\/span><strong>2. The Relationship Between Maintenance &amp; Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>High maintenance costs can increase the risk of damage and claims<br><\/li><li>Expensive workshops or hard-to-find spare parts add repair costs<br><\/li><li>BJAK helps monitor policies that cover damages according to your car\u2019s value<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"57164\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-choice-affects-your-premium\/attachment\/4-189-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.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=\"4-189\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing how car choice affects insurance premiums and maintenance costs, including tips for making smart car selections.\" class=\"wp-image-57164\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-189.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=\"3_Smart_Tips_for_Choosing_a_Car_for_Optimal_Premium_Maintenance\"><\/span><strong>3. Smart Tips for Choosing a Car for Optimal Premium &amp; Maintenance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Choose a car that is easy to maintain and has readily available spare parts<br><\/li><li>Compare insurance premiums via BJAK before purchase<br><\/li><li>Consider resale value and potential repair costs<br><\/li><li>Select insurance policies with add-ons suitable for your area\u2019s risk<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><strong><br>Car Choice Affects Your Premium<\/strong> in more ways than just the purchase price or style. <strong>For instance<\/strong>, the type of car you choose can significantly impact your insurance premiums and maintenance costs. <strong>Fortunately<\/strong>, BJAK allows users to compare policies, evaluate potential risks, and select the right vehicle\u2014helping them save on costs while still keeping safety a priority.<\/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=car-choice-affects-your-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\/info\/financial-adviser-license-fa-roles-bnm-requirements\">Financial Adviser License (FA) \u2013 Roles &amp; BNM Requirements<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-add-ons-bjak-pilih-coverage-ikut-kereta-risiko\">Insurans &amp; Add-ons BJAK: Pilih Coverage Ikut Kereta &amp; Risiko<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/signs-your-car-is-under-insured\">Signs Your Car is Under-Insured<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Choosing a car impacts not only the purchase cost but also insurance premiums and maintenance expenses. This article explains how BJAK helps users make smart car choices in terms of insurance and maintenance.<\/p>\n","protected":false},"author":31,"featured_media":57163,"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>Car Choice Affects Your Premium | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Choice Affects Your Premium . 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