2018 Kia K900 Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2018 Kia K900 are $1,610 a year including full coverage. Comprehensive costs around $368, collision costs $668, and liability costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,490. Teenage drivers receive the highest rates at $5,888 a year or more.
Annual premium for full coverage: $1,610
Rate estimates for 2018 Kia K900 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 Kia K900 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $474 for just liability coverage to the much higher price of $3,490 for high-risk insurance.
These differences highlight why everyone should compare rates for a specific zip code and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2018 Kia K900 Insurance
Looking for lower insurance coverage rates for your Kia K900? If you’re looking for cheaper insurance online, are you intimidated by the number of insurance coverage sources in your area? consumers have so many sources available that it is a challenge to find lower prices.
Finding the best rates is not that difficult. If you have car insurance now, you will be able to cut costs considerably using these techniques. Nevertheless, consumers must know how the larger insurance companies sell insurance online and apply this information to your search.
Compare auto insurance quotes
The majority of larger companies like Allstate, GEICO and Progressive provide insurance quotes from their websites. Obtaining pricing doesn’t take a lot of time as all you need to do is type in your required coverages into the form. After the form is submitted, their quoting system gets your driving record and credit report and returns a price quote based on these factors.
Online price estimates makes it simple to compare prices but the time required to go to several different sites and type in the same information can get tiresome after awhile. But it is imperative to perform this step if you want to find a lower rate.
A more efficient way to find better auto insurance pricing uses one form to get prices from a lot of companies. It saves time, requires less work, and makes online quotes a little more enjoyable. As soon as you send your information, it gets priced and you can choose any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.
In order to find out what other companies charge, simply enter your zip code here and fill out the form. If you currently have coverage, we recommend you type in the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you will receive a fair comparison based on identical coverages.
Drivers can save with these nine premium-slashing discounts
Companies offering auto insurance don’t always publicize their entire list of discounts in an easy-to-find place, so we researched some of the more common as well as the least known credits available to bring down your rates.
- Club Memberships – Belonging to qualifying clubs or civic groups is a good way to get lower rates on your bill.
- Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could earn a discount of approximately 10% to 15%.
- Responsible Driver Discount – Drivers without accidents can pay as much as 50% less on K900 insurance as compared to drivers with claims.
- Discount for Home Ownership – Simply owning a home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the personal injury premium cost.
- Defensive Driver Discount – Taking time to complete a course in driver safety may get you a small discount depending on where you live.
- Multi-car Discount – Purchasing coverage when you have multiple vehicles on one policy can get a discount for every vehicle.
As a sidenote, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.
Larger auto insurance companies and some of the discounts are shown below.
- GEICO offers discounts for federal employee, air bags, daytime running lights, multi-vehicle, and seat belt use.
- SAFECO offers premium reductions for bundle discounts, anti-lock brakes, anti-theft, teen safety rewards, homeowner, multi-car, and safe driver.
- State Farm offers discounts including accident-free, anti-theft, passive restraint, safe vehicle, and Steer Clear safe driver discount.
- MetLife may offer discounts for multi-policy, good driver, defensive driver, accident-free, good student, claim-free
- 21st Century discounts include homeowners, teen driver, student driver, defensive driver, good student, anti-lock brakes, and 55 and older.
- Progressive has savings for multi-vehicle, online signing, multi-policy, good student, continuous coverage, and homeowner.
Before you buy a policy, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. To view providers that offer many of these discounts, enter your zip code here.
Do I need special coverages?
When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.
For example, these questions might point out whether or not you could use an agent’s help.
- Do I have coverage when making deliveries for my home business?
- How much liability do I need to cover my assets?
- What exactly is covered by my policy?
- Am I covered if I crash into my own garage door?
- Does my policy cover my teen driver if they drive my company car?
- Why am I required to buy liability insurance?
- Do I have newly-aquired coverage?
- Is other people’s property covered if stolen from my vehicle?
- Do I pay less if my vehicle is kept in my garage?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.
Specific coverage details
Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Coverage for liability – This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage pays for claims like loss of income, structural damage and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Collision coverage – Collision insurance pays for damage to your K900 caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like hitting a parking meter, colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Kia K900.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, rehabilitation expenses, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, hail damage, hitting a bird and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Rates by U.S. City
|New York City, NY||$2,547|
|Los Angeles, CA||$2,754|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$123|
|5-yr Claim Free||$105|
|Paid in Full/EFT||$77|
Discounts are estimated and may not be available from every company or in every state.