2006 Chrysler Pacifica Insurance Quotes – 10 Discounts for Best Rates

Searching for cheaper auto insurance rates? Consumers have lots of choices when looking for the best price on Chrysler Pacifica insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy auto insurance so you’re going to learn the best way to quote coverages for a new or used Chrysler and locate the best price possible from both online companies and local agents.

You should take the time to shop coverage around every six months because rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Pacifica coverage two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance online, so I’m going to show you some great ways to reduce your auto insurance bill.

Take advantage of discounts

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be requested specifically in order for you to get them. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • Safety Course Discount – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application online.
  • College Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% for Pacifica coverage.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Pacifica coverage than their less cautious counterparts.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will bring down the cost of coverage.

A partial list of companies that may have these discounts may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not apply in your state.

How to know if you need help

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Exactly who is provided coverage by my policy?
  • When should I drop full coverage on my 2006 Chrysler Pacifica?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage if my license is suspended?
  • How much liability insurance is required?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance myths debunked

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make an identical promise that you’ll save big after switching your policy.

How do they all make the same claim? This is how they do it.

All companies have a certain “appetite” for the right customer that makes them money. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently claim big savings.

Because of the profiling, you need to compare as many rates as you can. It’s impossible to know the company that will provide you with the cheapest Chrysler Pacifica insurance rates.

Insurance coverage options for a 2006 Chrysler Pacifica

Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverages – This pays for damage to your Pacifica resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability insurance provides protection from damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, attorney fees, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chrysler Pacifica.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Save your cold hard cash

We just showed you a lot of techniques to save on 2006 Chrysler Pacifica insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with the least-expected company.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

The cheapest insurance is attainable from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More detailed auto insurance information is located by following these links: