2019 Kia K900 Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2019 Kia K900 are $1,624 a year for full coverage insurance. Comprehensive costs an estimated $382 each year, collision insurance costs $686, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $3,510. Teen drivers receive the highest rates at up to $5,886 a year.
Annual premium for full coverage: $1,624
Rate estimates for 2019 Kia K900 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 range from as low as $460 for just liability coverage to a high rate of $3,510 for high-risk insurance.
These differences illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.
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 2019 Kia K900 Insurance
Searching for low-cost insurance for a Kia K900 can be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for a Kia and obtain the best price possible from local insurance agents and online providers.
Compare quotes for insurance
Effectively comparing insurance prices can take hours if you don’t know the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quoting to achieve your goal.
Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quote requests for each company.
To find out how much you’re overpaying now enter your zip code here.
One minor caviat to pricing coverage this way is you don’t know exactly which carriers you want to price. So if you want to select individual companies to compare rates, we put together a list of insurance companies in your area. Click to enter zip code.
Whichever way you use, do your best to enter identical quote information for every company. If each company quotes differing limits it will be next to impossible to find the best deal for your Kia K900.
What insurance coverages do I need?
When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions may help highlight whether your personal situation might need an agent’s assistance.
- Do I have newly-aquired coverage?
- I have health insurance so do I need medical payments coverage?
- When would I need rental car insurance?
- How much liability coverage do I need in my state?
- Should I carry comprehensive and collision coverage?
- Should I buy more coverage than the required minimum liability coverage?
- I don’t drive much so do I pay less?
- Will I be non-renewed for getting a DUI or other conviction?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can help protect your family.
Car insurance coverages for a 2019 Kia K900
Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as hail damage, fire damage, falling objects and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto collision coverage
This coverage covers damage to your K900 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like colliding with another moving vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.
Medical expense insurance
Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, EMT expenses, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia K900.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
This coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability insurance covers claims like medical expenses, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.
Rates by U.S. City
|New York City, NY||$2,568|
|Los Angeles, CA||$2,778|
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||$125|
|5-yr Claim Free||$106|
|Paid in Full/EFT||$78|
Discounts are estimated and may not be available from every company or in every state.