How to check car insurance premiums and what factors influence the cost. In 2026, driving behavior is used alongside basic information to calculate premiums, aiming to reflect each driver's actual risk.
For first-class car insurance, companies consider three main groups of factors as follows.
Vehicle information (basic factors)
Vehicle value and insured amount: Expensive or new cars have higher premiums due to higher insured amounts.
Model and brand: Cars with rare parts or high repair costs result in higher premiums.
Vehicle age: Older cars may have lower premiums, but some coverages, like dealership repairs, might not be available.
Named drivers: Up to five drivers can be named. Naming drivers provides greater discounts than unnamed policies.
Good driving record discounts: If no claims are made within a year, a maximum discount of 50% is granted.
Behavior discounts: A new system reviews driving history from a central database. Drivers with good records and no traffic violations receive additional discounts, with total discounts possibly reaching 80%.
Insurance types: Class 1, 2+, 3+, or 3 offer different coverage levels, affecting prices accordingly.
Deductibles: Agreeing to pay a set amount (e.g., 3,000-5,000 baht) in case of an accident significantly lowers annual premiums.
Repair method: Service center repairs cost more than "garage" repairs, affecting premium prices.
To get reasonably priced insurance with satisfactory service, consider the following.
Compare from multiple sources: Don't rely on just one provider. Use price comparison websites to find the latest offers.
Check "garages/service centers" near home: Cheap insurance with repair shops far away or without deals at convenient centers can cause difficulties when making claims.
Use the "named driver" option: If the car is driven by only you or family members, naming drivers immediately saves on premiums.
Consider the "deductible": If you are confident in your safe driving and rarely have minor accidents, choosing a deductible can reduce premiums by thousands of baht.
Reliability and service: Review "claim processing speed" and "emergency assistance" (such as towing and free fuel delivery), as these add value that money cannot easily buy in urgent situations.
Named drivers and behavior discounts
Standard policy conditions: Tax rates and base insurance premium percentages.
Before deciding, ensure the "insured amount" is not less than 80% of the vehicle's market price to adequately cover theft or fire cases.