Cheaper 2005 Chrysler Pacifica Car Insurance Quotes

Finding better insurance prices for a new or used Chrysler Pacifica can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Chrysler and locate the lowest price.

You need to quote other rates before your next renewal since insurance prices trend upward over time. Even if you got the best rates for Pacifica coverage a year ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because you’re about to find out the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Shopping for more affordable insurance can be fairly easy. Drivers only need to know the proper methods to buy insurance online.

How much is auto insurance?

Cutting your auto insurance rates can be quick and easy. You just need to take a couple of minutes to compare free car insurance quotes from different insurance companies. Shoppers can get rates in several different ways.

The easiest and least time consuming way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing repetitive form submissions for every auto insurance company. A single form will get you rate comparisons from auto insurance companies with the best prices. This is by far the quickest method.

A more difficult way to get quotes online is spending the time to visit each company website and complete a new quote form. For instance, let’s say you want to get rates from Progressive, State Farm and Travelers. To get rate quotes you would need to spend time on each company’s site and repeatedly enter your information, which can be really labor intensive.

To view a list of companies in your area, click here.

Whichever way you choose to compare rates, try to keep identical coverage limits and deductibles for each comparison quote. If you are comparing different coverage information you will not be able to make a fair rate comparison.

Get affordable auto insurance with discounts

Some insurers don’t necessarily list all available discounts very clearly, so the below list has some of the best known and the more hidden credits available to you.

  • First Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a specific time period.
  • ABS Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Service Members Pay Less – Being on active deployment in the military could mean lower prices.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Distant Student – who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted price on car insurance if you buy a life insurance policy as well.
  • Auto/Home Discount – If you combine your auto and home policies and insure them both with the same insurance company you may save approximately 10% to 15%.
  • Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
  • E-sign – Many insurance companies may give you up to $50 for buying your policy on your computer.

Remember that some of the credits will not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will bring down the amount you have to pay.

Popular auto insurance companies and the discounts they provide can be found below.

  • State Farm includes discounts for safe vehicle, student away at school, passive restraint, multiple autos, good student, and Drive Safe & Save.
  • Farmers Insurance offers discounts for good student, mature driver, early shopping, distant student, and bundle discounts.
  • Progressive discounts include multi-vehicle, online quote discount, multi-policy, online signing, good student, and homeowner.
  • GEICO may include discounts for anti-lock brakes, seat belt use, multi-vehicle, anti-theft, good student, membership and employees, and driver training.
  • Auto-Owners Insurance has savings for anti-lock brakes, mature driver, anti-theft, good student, safe driver, paid in full, and multiple vehicles.
  • The Hartford may offer discounts for driver training, air bag, anti-theft, defensive driver, good student, and bundle.
  • Farm Bureau offers discounts including 55 and retired, youthful driver, renewal discount, safe driver, and driver training.
  • USAA has discounts for multi-policy, defensive driver, loyalty savings, vehicle storage, safe driver, and military installation.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Some credits might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are my friends covered when driving my car?
  • Does coverage extend to Mexico or Canada?
  • Am I missing any policy discounts?
  • Are rock chip repairs covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Parts of your insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This covers damage to your Pacifica caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, colliding with a tree, damaging your car on a curb, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

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

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.


Liability insurance can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $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.

Liability can pay for claims such as funeral expenses, attorney fees, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, prosthetic devices, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage