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Why Are Some Cheaper (or More Expensive) Than Others? Have you ever wondered why your friend pays less for a policy that seems identical to yours? Or why your car insurance is more expensive than someone else’s with the same model? The answer lies in the insurance premium — and the many factors that influence it.

1. Pre-existing conditions mean any signs, symptoms, complications, disease, illness, or injury that the insured person was treated or knew about previously or it can be medically proven that the condition or disease existed before, including the sickness not completely cured before the insured person joined the insurance policy.

Whether you’re living in Thailand short-term or long-term, buying the right car insurance can save you time, money, and stress. Here’s what you need to know: