2020 Kia K900 Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2020 Kia K900 are $1,636 a year with full coverage. Comprehensive insurance costs an estimated $398 each year, collision costs $690, and liability coverage costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing $3,530 or more. Teenage drivers receive the highest rates at $5,892 a year or more.
Annual premium for full coverage: $1,636
Rate estimates for 2020 Kia K900 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 driver in their 40's, prices range go from as low as $452 for basic liability insurance to a high rate of $3,530 for a driver who has had serious violations or accidents.
These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than 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 2020 Kia K900 Insurance
If you are new to online price comparisons, by this point your are probably bewildered thanks to the vast number of insurance providers that all promise the best rates.
You should take the time to take a look at other company’s rates before your next renewal because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on K900 coverage six months ago you can probably find a lower rate today. There is lot of inaccurate information about insurance coverage out there, but in just a couple of minutes you can learn some great ways to save money.
If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. The purpose of this post is to instruct you on how car insurance quotes work and some tricks to saving. But car owners benefit from understanding the way insurance companies price online insurance and apply this information to your search.
The quickest way to compare policy rates is to know the trick car insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is spend a couple of minutes providing details like what your job is, if you have an active license, if the car is leased, and if a SR-22 is required. The data is sent automatically to many of the top insurers and they respond with quotes instantly.
Lower-cost insurance quotes with discounts
Some insurers don’t always publicize every available discount in a way that’s easy to find, so the list below gives a summary of some of the best known and the harder-to-find ways to save on insurance.
- Accident Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% on K900 coverage compared to rates paid by drivers with frequent claims.
- Auto/Life Discount – Larger companies have a small discount if you purchase life insurance.
- Own a Home and Save – Owning a house can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
- Onboard Data Collection – Policyholders that allow their company to study vehicle usage by using a telematics device such as Progressive’s Snapshot might see lower rates if they show good driving skills.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more.
- Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote insurance coverage on K900 coverage with select insurance companies.
- Discount for Passive Restraints – Factory air bags may qualify for discounts of 25 to 30%.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
For a list of insurers with the best discounts, enter your zip code here.
Tailor your insurance coverage to you
When choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.
- Is upholstery damage covered by car insurance?
- Are my friends covered when driving my 2020 Kia K900?
- Why am I required to buy high-risk coverage?
- Do I have any recourse if my insurance company denies a claim?
- Is motorclub coverage worth it?
- Can I still get insurance after a DUI?
- What companies insure drivers after a DUI or DWI?
- Do I pay less for low miles?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code.
Coverages available on your policy
Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as damage from getting keyed, vandalism, theft, damage from flooding and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as crashing into a building, driving through your garage door, colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Liability insurance – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims like legal defense fees, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Kia K900.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses such as ambulance fees, nursing services, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Save your cold hard cash
People switch companies for a variety of reasons including high prices, extreme rates for teen drivers, not issuing a premium refund or poor customer service. Whatever your reason, switching companies is actually quite simple.
The cheapest 2020 Kia K900 insurance can be found from both online companies in addition to many insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who do not provide internet price quotes and usually these small, regional companies only sell through independent agents.
When shopping online for auto insurance, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best cost while still protecting your assets.
To read more, link through to the resources below:
Rates by U.S. City
|New York City, NY||$2,589|
|Los Angeles, CA||$2,799|
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||$79|
Discounts are estimated and may not be available from every company or in every state.