2018 Kia K900 Car Insurance Quotes in 2024 – 7 Tips for Cheapest Rates

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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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Searching for better insurance coverage rates for your Kia K900? Overpriced insurance coverage can consume your accounts and force you to make sacrifices. Price shopping at each renewal can help to reduce premiums and put more money in your pocket.

Many car insurance companies compete for your business, and it can be difficult to compare rates and get the definite cheapest price

First Step: Get free auto insurance quotes

Finding a better price on auto insurance is pretty simple and can save money. Just take the time comparing price quotes from some recommended companies. You can get a good selection of rate quotes by using one of the methods below.

Without a doubt, the easiest way to get quotes is to use a rate comparison form. This easy form saves time by eliminating separate quotation requests for each company. A single form gets rate comparisons from many national carriers.

A less efficient way to analyze rates is to take the time to go to each individual company website and get a separate price quote. For instance, let’s assume you want to compare rates from GEICO, State Farm and Progressive. In order to compare rates, you need to go to each individual site and enter your information, which is why first method is recommended.

Even if you have time, the least recommended method to get price estimates is to drive around to insurance agencies in your area. The ability to buy insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional guidance that only a licensed agent can provide. Drivers can obtain prices from the web but have your policy serviced through an agent.

It’s up to you which method you use, but ensure you’re using exactly the same coverages and limits for each comparison quote. If each company quotes different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Kia K900.

Don’t miss these seven money-saving discounts

Auto insurance is easily one of your largest bills, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some must be inquired about before you get the savings.

  • Paper-free Discount – Many larger companies will provide an incentive for signing up on the internet.
  • Mature Driver Discount – Seniors are able to get a small discount on rates on K900 insurance.
  • Organization Discounts – Joining a civic or occupational organization could qualify you for a break when getting a car insurance quote.
  • Accident Forgiveness – Not really a discount, but certain companies permit an accident without raising rates with the catch being you have to be claim-free for a set time period.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • Life Insurance Discount – Companies who offer life insurance give a discounted auto insurance rate on car insurance if you buy a life policy as well.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

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

Do I need special coverages?

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • When should I drop full coverage on my 2018 Kia K900?
  • Do I benefit by insuring my home with the same company?
  • Should I carry comprehensive and collision coverage?
  • What is covered by UM/UIM coverage?
  • What is medical payments coverage?
  • Which is better, split liability limits or combined limits?
  • What are the best liability limits?
  • Is my 2018 Kia K900 covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred 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 a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage protection

Collision insurance will pay to fix damage to your K900 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, hitting a bird, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, medical expenses, medical services, legal defense fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like chiropractic care, prosthetic devices, nursing services and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

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