Lower Your 2015 Kia K900 Insurance Rates

Buyers have many options when searching for low-cost Kia K900 insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to get price quotes for your Kia and obtain the lowest price.

Smart consumers take time to check insurance prices at least once a year because rates are variable and change quite frequently. Even if you think you had the best price on K900 insurance a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance on the web, but we’re going to give you the easiest ways to put money back in your pocket.

Compare the Market for Auto Insurance

Cutting your auto insurance rates is surprisingly easy. All you need to do is take a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form keeps you from doing boring form submissions to each individual auto insurance company. Filling out one form gets you price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to find lower rates consists of going to each company’s website to complete a price quote. For sake of this example, we’ll pretend you want rates from Liberty Mutual, Esurance and Progressive. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to compare rates is driving around to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional advice of a licensed agent. It is possible to obtain prices from the web and get advice from an agent in your area and we’ll talk about that later.

It doesn’t matter which method you choose, just ensure you’re using identical coverages on every quote. If you enter different liability limits it’s impossible to make a fair comparison for your Kia K900.

Cut prices on 2015 Kia K900 insurance

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but some must be inquired about before being credited. If you don’t get every credit possible, you are paying more than you should be.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Low Mileage – Keeping the miles down on your Kia can earn a substantially lower rate.
  • No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine whether you might need professional guidance.

  • Can I afford low physical damage deductibles?
  • Am I covered when driving a rental car?
  • Do I need replacement cost coverage on my 2015 Kia K900?
  • What if I don’t agree with a claim settlement offer?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Kia K900 insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

Listed below are some of the items companies use to determine premiums.

  • Discounts for multiple policies – Some companies will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying on your 2015 K900 policy. Insurance for personal injury protection, accidental death and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Poor credit can mean higher rates – Your credit score is a huge factor in calculating your car insurance rates. If your credit is lower than you’d like, you could save money insuring your 2015 Kia K900 by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
  • Never allow your policy to lapse – Allowing your coverage to lapse will be a quick way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Pleasure use saves money – The more you drive in a year’s time the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than those used for commuting. An improperly rated K900 may be wasting your money. Make sure your car insurance policy shows the correct driver usage.
  • Liability coverage is cheap – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Lower deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Kia from damage. Some instances where coverage would apply would be collision with another vehicle, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive on K900 insurance.

Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses like surgery, X-ray expenses, doctor visits and dental work. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, funeral expenses, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, vandalism, damage from flooding, fire damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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

Collision insurance covers claims such as hitting a parking meter, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Saving money is sweet as honey

We just covered a lot of ways to lower your 2015 Kia K900 insurance rates. The key thing to remember is the more you quote, the higher the chance of saving money. You may even discover the most savings is with a smaller regional carrier.

Lower-priced insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide online quoting and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage for the lowest price.

For more information, take a look at the following helpful articles: