Compare 2004 Chrysler Pacifica Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Tired of trying to scrape together enough money to insure your Chrysler every month? You’re in the same situation as the majority of other car owners.

There are many auto insurance companies to pick from, and although it’s a good thing to have a choice, having more insurers makes it harder to adequately compare rates.

You should make it a habit to take a look at other company’s rates quite often since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Pacifica coverage a year ago other companies may now be cheaper. There is a lot of bad information regarding insurance online, so I’m going to show you a lot of great tips on how to slash your insurance rates.

What determines your Chrysler Pacifica insurance premium

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Where you live – Living in a rural area can be a good thing when buying car insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer people translates into fewer accidents.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like scientists, engineers and homemakers receive lower rates on Pacifica coverage.
  • Do you need those extra coverages? – There are many extra bells and whistles that you can get tricked into buying on your Pacifica policy. Things like personal injury protection, accidental death and additional equipment coverage are some examples. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • Higher deductibles cost less – The deductibles define the amount you are required to spend before your car insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more the insured has to pay upfront, the less your car insurance will be on Pacifica coverage.
  • Multiple policies with one company can save – Most car insurance companies will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • High credit ratings translate to low rates – Credit score is a big factor in your rate calculation. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2004 Chrysler Pacifica by improving your credit score. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit.
  • Frequent car insurance claims increase rates – Car insurance companies give discounts to insureds who do not file claims often. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Pay less for 2004 Chrysler Pacifica insurance

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known ways to save on insurance coverage.

  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • College Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount on insurance coverage on Pacifica coverage.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Pacifica coverage than drivers with accidents.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies who might offer these discounts include:

Before buying, ask each company how you can save money. All car insurance discounts may not be available in every state.

Drivers who switch save $494 a year? Really?

Auto insurance providers like State Farm, GEICO and Progressive continually stream ads on television and other media. They all have a common claim of big savings after switching your policy. How can each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save when they switch companies.

Potential insureds who fall outside the “perfect” profile will be quoted a higher premium which usually ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can make the claims of big savings. This emphasizes why it’s extremely important to get a wide range of price quotes. It’s impossible to know which auto insurance company will fit your personal profile best.

Tailor your coverage to you

When choosing coverage, there is no one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight if you may require specific advice.

  • Do I really need UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • Am I covered when using my vehicle for business?
  • Is my nanny covered when driving my vehicle?
  • Am I better off with higher deductibles on my 2004 Chrysler Pacifica?
  • What if I don’t agree with a claim settlement offer?
  • How can I find cheaper teen driver insurance?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

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

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, vandalism and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, surgery, chiropractic care, dental work and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as bail bonds, pain and suffering and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Final considerations

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped collision coverage only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the best price.

In this article, we presented a lot of tips how to reduce 2004 Chrysler Pacifica insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from an unexpected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Budget-conscious insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer online quoting and these regional insurance providers work with independent agents.

For more information, feel free to browse the resources below:

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