How Much Does 2017 Chrysler Pacifica Insurance Cost in 2024?

Want the cheapest auto insurance rates for your Chrysler Pacifica? Are you burned out from paying out the nose each month for auto insurance? You have the same problem as many other drivers. People have multiple insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to find the best rates.

Find hidden discounts on car insurance

Auto insurance companies do not list every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden ways to save on car insurance.

• Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with one company can reduce rates for all insured vehicles.
• Policy Bundle Discount – When you have multiple policies with the same insurance company you could save 10% to 20% off each policy.
• Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save up to 5%.
• Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can get savings as much as 30%.
• Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Pacifica insurance but check with your company.
• Cautious Driver Discounts – Drivers without accidents may receive a discount up to 45% for Pacifica insurance than drivers with accidents.
• Defensive Driver Discount – Successfully completing a course that instructs on driving safety can save you 5% or more if you qualify.
• Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save a little on medical payment and PIP coverage.
• Buy New and Save – Buying insurance on a new vehicle can get you a discount because newer vehicles are generally safer.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will cut your overall premium however.

A few popular companies and some of the premium reductions they offer are included below.

• American Family has discounts for bundled insurance, multi-vehicle, TimeAway discount, accident-free, good driver, mySafetyValet, and defensive driver.
• Nationwide may have discounts that include defensive driving, accident-free, family plan, anti-theft, Farm Bureau membership, and good student.
• MetLife has savings for multi-policy, claim-free, defensive driver, good driver, good student, and accident-free.
• 21st Century may offer discounts for 55 and older, homeowners, teen driver, student driver, and driver training.
• Farmers Insurance may include discounts for bundle discounts, mature driver, pay in full, business and professional, and homeowner.
• Allstate offers premium reductions for EZ pay plan discount, 55 and retired, eSmart discount, safe driver, and FullPay discount.

Before purchasing a policy, check with each insurance company to apply every possible discount. Some discounts may not apply in your area.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs may require specific advice.

• When should I buy a commercial auto policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What discounts do I qualify for?
• What is high-risk coverage and where do I buy it?
• Is extra glass coverage worth it?
• How much can I save by bundling my policies?
• Do I need PIP (personal injury protection) coverage in my state?
• Does car insurance cover theft of personal property?
• Does coverage extend to a rental car in a foreign country?
• Do I have newly-acquired coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and you can get the answers you need.

Coverage specifics

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler Pacifica.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a bird, hail damage, vandalism and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like EMT expenses, chiropractic care, doctor visits, rehabilitation expenses and hospital visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for collisions

This coverage pays for damage to your Pacifica from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Power to the consumer

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Cheaper insurance can be bought on the web in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and many times these regional insurance providers prefer to sell through independent agents.