Lower Your 2017 Kia K900 Insurance Cost

Consumers have lots of choices when looking for the lowest priced Kia K900 insurance. They can either spend hours driving around trying to get quotes or save time using the internet to compare rates. There are more efficient ways to shop for insurance coverage so you’re going to learn the absolute fastest way to get price quotes on a Kia and locate the lowest price from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to save some money using this strategy. Drivers only need an understanding of the most efficient way to get comparison rates over the internet.

How to buy car insurance

Lowering your 2017 Kia K900 car insurance rates is not a difficult process. You just need to take time to compare free insurance quotes to see which company has cheap insurance quotes. This can be accomplished by using one of the methods below.

  1. Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do repetitive form entry to each individual car insurance company. One quote request gets coverage cost estimates from all major companies. It’s definitely the quickest method.
  2. A more time consuming way to analyze rates consists of visiting each company website and fill out a new quote form. For examples sake, let’s say you want to compare rates from Allstate, Progressive and State Farm. You would need to go to each individual site and enter your policy data, which explains why we recommend starting with the first method.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, do your best to enter exactly the same deductibles and coverage limits for each comparison quote. If your comparisons have higher or lower deductibles it will be very difficult to find the best deal for your Kia K900.

Double check you’re getting these rate-reducing discounts

Some companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance online.

  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy life insurance from them.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save 10% or more off the medical payments premium.
  • Distant College Student Discount – Kids who attend college more than 100 miles from home and don’t have a car can receive lower rates.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get lower premium rates on K900 insurance.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get discounted rates on garaged vehicles.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

Car insurance companies that may include most of the discounts above include:

When getting a coverage quote, ask each company or agent how you can save money. A few discounts might not be offered in your area. To locate companies with discount rates, click this link.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions might help in determining whether you will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Where can I find high-risk insurance?
  • Is extra glass coverage worth it?
  • Am I missing any policy discounts?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I get my company to pay me more for my totalled car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What if I owe more than I can insure my car for?
  • Does liability extend to a camper or trailer?
  • How many claims can I have before being cancelled?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Lower your insurance prices

A large part of saving on insurance coverage is knowing the rating factors that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can help you get big savings.

  • A good credit score can save money – Having a bad credit score is a big factor in determining what you pay. Drivers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit score is not that good, you could be paying less to insure your 2017 Kia K900 by repairing your credit.
  • Do you save by driving less? – Driving more miles each year the more you’ll pay to insure it. Most insurance companies charge rates based on how the vehicle is used. Autos left parked in the garage receive lower rates than vehicles that are driven to work every day. Double check that your vehicle rating shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your K900 may be costing you.
  • Teenage driver insurance prices – Teen drivers are statistically shown to be careless and easily distracted when driving with friends therefore insurance coverage rates are much higher. Parents adding a first-time driver to your policy can really hurt. Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies award the best rates to people who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Do you need those extra coverages? – There are quite a few extra add-on coverages that can add up if you aren’t diligent. Coverages like coverage for rental cars, accident forgiveness, and extra life insurance coverage may be costing you every month. The coverages may be enticing when deciding what coverages you need, but now you might not need them so eliminate them to save money.
  • Vocation impacts premiums – Did you know your occupation can influence how much you pay for insurance coverage? Careers like fire fighterspolice officers and miners usually pay higher rates than average because of high stress levels and extremely grueling work hours. Conversely, jobs such as professors, engineers and the unemployed generally pay rates lower than average on K900 insurance.
  • Protect yourself with liability coverage – Liability insurance is the protection when you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Cheaper rates after marriage – Getting married actually saves money compared to being single. It generally demonstrates drivers are more responsible and statistics prove drivers who are married are more cautious.

Auto insurance buyers beware

Drivers can’t avoid all the ads that claim the lowest premium rates by companies like State Farm, Allstate and Geico. They all seem to make the point that you’ll save big if you change your coverage.

How does every company say the same thing? It’s all in how they say it.

Different companies have an ideal profile for a prospective insured that earns them the highest profit. An example of a profitable customer might be married and over the age of 30, has never had a policy lapse, and drives less than 5,000 miles a year. A customer who fits that profile gets the lowest car insurance rates and will most likely save quite a bit of money when switching.

Insureds who may not quite match these criteria may receive higher prices which usually ends up with the customer not buying. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make claims like that. That is why it’s extremely important to get a wide range of price quotes. It’s just not possible to know which company will give you the biggest savings.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for EMT expenses, ambulance fees, X-ray expenses, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your K900 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance

This coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, medical services, structural damage, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Kia K900.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

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

Comprehensive coverage pays for things such as vandalism, fire damage, rock chips in glass and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Spend less. Save more.

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, delays in responding to claim requests or denial of a claim. Regardless of your reason, choosing a new insurance company is easier than you think.

When searching for inexpensive insurance quotes, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy enough coverage at an affordable rate, but do not skimp to save money.

We’ve covered some good ideas how to lower your 2017 Kia K900 insurance prices. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest insurance. You may even find the best price on auto insurance is with the smaller companies.

Even more information can be found in these articles: