2020 Kia K900 Car Insurance Rates in 2024 – 7 Tips to Save

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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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Scraping up a payment for overpriced Kia K900 insurance can bottom out your checking account and make it impossible to make ends meet. Comparing rates annually is free and is an excellent way to slash your bill and have more disposable income.

Vehicle owners have many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to locate the cheapest rates.

It’s smart to price shop coverage before your next renewal because prices trend upward over time. Just because you had the best deal on K900 insurance two years ago a different company probably has better premium rates today. Don’t believe everything you read about car insurance on the web, but in this article, you’re going to get some great ways to lower your car insurance premiums.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. But vehicle owners need to have an understanding of how big insurance companies market insurance on the web because it can help you find the best coverage.

Compare insurance quotes online

To find the best insurance rates, there are several ways to obtain and compare prices from many different insurance companies. The easiest way to find competitive 2020 Kia K900 insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form. This easy form prevents you from having to do separate quotation requests for every insurance company. One quote request compares rates from many national carriers.
  2. Another way to find more affordable insurance consists of going to each company’s website and repeat the quote process. For examples sake, let’s say you need rates from Allstate, State Farm and Liberty Mutual. You would be required to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is quicker.

You can use whichever method you prefer to find lower rates, just make darn sure you compare apples-to-apples coverage information for each price quote. If you compare different coverage information it will be impossible to find the best deal for your Kia K900. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons increases your odds of finding better pricing. Some regional insurers cannot provide quotes online, so it’s important to compare prices from the smaller companies as well.

Lower rates by qualifying for these seven discounts

Auto insurance companies don’t list every discount they offer in a way that’s easy to find, so the below list has a few of the more common and also the lesser-known discounts that you may qualify for.

  • Employee of Federal Government – Federal government employees can save as much as 8% on K900 insurance but check with your company.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Homeowners Savings – Just owning your own home can save you money because maintaining a house requires personal responsibility.
  • Accident Forgiveness Coverage – but some companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Professional Organizations – Participating in a qualifying organization could earn you a nice discount when getting a auto insurance quote.
  • College Student Discount – Youth drivers who are attending college and do not take a car to college may be able to be covered for less.

As a sidenote, most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see companies who offer auto insurance discounts, enter your zip code here.

Insurance is unique, just like you

When it comes to choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine if your situation will benefit from professional help.

  • What is medical payments coverage?
  • Am I covered when driving on a suspended license?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount?
  • Is extra glass coverage worth it?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Car insurance coverage options for a Kia K900

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Kia K900.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, hail damage, damage from a tornado or hurricane and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision coverage pays for damage to your K900 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.


This protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, bail bonds, emergency aid, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for pain medications, dental work, funeral costs, ambulance fees and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

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