2004 Chrysler Pacifica Insurance Cost

Nobody I know likes paying for car insurance, in particular when they are paying too much. Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company to discover the definitive lowest cost out there.

If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to know the proper methods to buy car insurance on the web.

Automobile Insurance Quotes

Comparing insurance rates can be a daunting task if you don’t understand the easiest way. You could spend the better part of a day driving to local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many companies participate in an industry program where prospective buyers complete one form, and each participating company provides a quote based on that information. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you can save on insurance click here (opens in new window).

The only drawback to comparing rates this way is you don’t know exactly which companies to get quotes from. If you would rather choose individual companies to compare rates, we have a page of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage limits for each price quote. If your comparisons have different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

When might I need an agent?

When it comes to choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will my rates increase for filing one claim?
  • Why am I required to get a high-risk car insurance policy?
  • Can I still get insurance after a DUI?
  • What if I total my 2004 Chrysler Pacifica and owe more than it’s worth?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Coverage specifics

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chrysler Pacifica.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, driving through your garage door, damaging your car on a curb, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, legal defense fees, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, a broken windshield and hitting a bird. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.