all the car insurance company also provide 10% additional discount if u self renew on9.
if u use 3rd party agent for u, that 10% bcoms their fees.

every insurance company the premium is fluctuate from time to time. however renew online mean every thing is DIY (do it yourself). if you want easy renewal, please feel free to pm me for details.

Old car premium very cheap once accident pay 100x more premium collected from you. Insurance company always lose money covering old cars.

PM 019-3399039 (WhatsApp only) for old cars renewal. I specialise in 3rd party and 20 yr old car insurance.

nowadays some car insurance hav incentive for u to drive less or more carefully.
ie, some car insurance required u to install their tracking device with gyro.
it knows when u speeding, cornering at high speed.
& will deduct your discount based on how careful u drive.

some car insurance, will giv u extra discount if your mileage dont go over x KM

i only have msig insurance. if 55% ncd RM 138.95

AXA
u can opt in, but need to install their telemetry device at their panel workshop, FOC.

it's a bit pain in the ass though.
u go a bit over speed limit, minus point.
u corner fast a bit, minus point again.

good thing is u'll hav a free tracker which u can see your car gps location from your app.

yes, default discount for good driving, lesser & lesser discount if drive badly.

axa smartdrive.
i supposed, u can locate your car via GPS from anywhere as long as in m'sia?
the tracking device basically comes wit a sim card & GPS, & sends your driving telemetry bck to axa.

1 thing need to take note though, it's wired to the car battery, so more or less will drain your car battery faster.
& of your battery kong, or just unplugged to replace battery, axa will sms/call u to alert u.