Compare 2019 Kia K900 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

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Looking for better insurance coverage rates for your Kia K900? Locating the lowest price insurance coverage on the internet is somewhat intimidating for vehicle owners who are beginners to quoting and price shopping over the internet. With such a big selection of agents and insurers to choose from, how are we expected to have a chance to compare every possible option in order to find the lowest price?

Consumers should take time to compare rates every six months because insurance coverage prices fluctuate regularly. If you had the best rate for K900 insurance last year there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the right way to save money, get proper coverage and the best rates.

Compare quotes for insurance coverage

To find cheaper quotes, there are a couple of ways to get quotes from lots of insurance coverage companies. The fastest way to find affordable Kia K900 insurance rates is to perform an online rate comparison. This is quite simple and can be completed in several different ways.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison. This method prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form will return price quotes direct from many companies. It’s the fastest way to compare.
  2. A different way to obtain and compare quotes online requires visiting the website for every company you want to compare and fill out a new quote form. For instance, we’ll assume you want comparison quotes from USAA, Safeco and Travelers. You would need to spend time on each company’s site to input your insurance information, which can get old fast.
  3. The least efficient and most time consuming method to find lower rates is calling or driving to local insurance agencies. The internet reduces the need to sit down with an agent unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. Some companies do allow you to get prices online and get advice from an agent in your area.

Whichever way you use, do your best to use equivalent coverages and limits for each comparison quote. If you have mixed coverages it will be very difficult to truly determine the lowest rate. Slightly different coverages could throw off the whole comparison. And when quoting insurance coverage, remember that getting more free quotes will improve the odds of getting the best price. Some smaller insurers to not give prices over the internet, so you need to compare quotes from them as well.

Discounts for lower-cost insurance rates

The cost of insuring your cars can be expensive, but you may find discounts that can help lower your rates. Certain discounts will be applied when you get a quote, but some discounts are required to be specifically requested prior to getting the savings.

  • Multiple Cars – Purchasing coverage when you have more than one vehicle with the same insurance company may reduce the rate for each vehicle.
  • Homeowners Discount – Owning a home can earn you a little savings because it means you have a higher level of financial diligence.
  • Smart Student Discounts – Being a good student can save 20 to 25%. This discount can apply until age 25.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • Discount for Low Mileage – Driving fewer miles can earn slightly better prices than normal.
  • Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break on your next renewal.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free insurance policy, it’s just not the way it works.

If you would like to choose from a list of companies who offer insurance discounts, enter your zip code here.

How your K900 insurance costs are determined

A large part of saving on car insurance is knowing the different types of things that go into determining your premiums. When consumers understand what impacts premium levels, this enables informed choices that can earn you lower car insurance prices. Many factors are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, but others are more transparent like your vehicle usage or your vehicle rating.

The list below includes a few of the things used by companies to determine rates.

  • The more you drive the more you pay – Driving a lot of miles annually the more it will cost to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance coverage states the correct usage for each vehicle. Improper usage on your K900 may be costing you higher rates.
  • Is you occupation costing you more? – Did you know your job can affect your rates? Occupations such as military generals, police officers and emergency personnel generally have higher rates than the rest of us because of intense work situations and extremely grueling work hours. On the other hand, professions such as scientists, athletes and the unemployed have lower than average premiums for K900 insurance.
  • Reduce car insurance rates by staying claim free – Companies provide better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Safer the car lower the rate – Vehicles with good safety scores tend to have lower insurance rates. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can mean better rates for you. If your Kia is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Lower comp and collision deductibles cost more – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. A few examples of covered claims are a dented fender, hail damage, and windstorm damage. Your deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive for K900 insurance.
  • Tickets are costly – Your driving record impacts your car insurance rates tremendously. Only having one chargeable violation can bump up the cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten multiple tickets such as reckless driving or DUI may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Insurance is expensive for teenage drivers – Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims , and are generally more financially stable. Young drivers are statistically shown to be inattentive and easily distracted in a vehicle therefore car insurance rates are much higher.
  • Save money with GPS tracking and theft deterrents – Buying a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • Should I waive the damage coverage when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • Do I need Motor Club coverage?
  • Should I have a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Is pleasure use cheaper than using my 2019 Kia K900 to commute?
  • When should my teen driver be added to my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out your zip code.

The ad said I’d save $411 a year!

Well-known car insurance companies like Allstate, GEICO and Progressive seem to constantly run television, radio, and online ads. They all make an identical promise that drivers will save a bundle after switching your car insurance coverage to their company. How does every company sell you cheaper insurance coverage?

Insurance providers have specific characteristics for the type of customer that will be a good risk. For instance, a driver they prefer could be over the age of 40, has no driving citations, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will get low prices and will most likely save quite a bit of money when switching.

Potential customers who fall short of the ideal profile will be quoted higher rates and the customer buying from someone else. The ads state “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can state the savings.

Each company has different criteria, so it is so important to do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will have the best prices for your profile.

Car insurance specifics

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, legal defense fees, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your K900 from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, hail damage and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, hospital visits, pain medications, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2019 Kia K900.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Shop around and save

As you shop your coverage around, you should never buy less coverage just to save a little money. In too many instances, someone dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, policy cancellation, poor customer service and even not issuing a premium refund. Whatever your reason, finding the right car insurance provider is not as hard as you think.

Some insurance providers may not provide the ability to get quotes online and most of the time these regional carriers sell through independent agents. More affordable car insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money.

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