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Are you looking for a more affordable Chrysler Pacifica hybrid auto insurance policy? Well, just because you’re saving money on your overall gasoline costs doesn’t mean you should spend it on more expensive coverage. We can help you keep your Chrysler Pacifica hybrid protected with an affordable auto policy that isn’t eating up the financial savings you earned thanks to the advanced fuel economy of your hybrid minivan.
Not unlike its gas-powered sister model of the same name, the Chrysler Pacifica hybrid has only been around for a couple of model years as of this writing. The 2018 model year boasts a 33-mile battery-only range and a starting sticker price just under $40,000. It comes available in Touring Plus, Touring-L, and Limited trims – in order of both price and advanced features.
The biggest controversy with the debut of the Chrysler Pacifica hybrid revolves around HEV vs. PHEV consumer preferences. While hybrid electric vehicles mainly depend on gasoline as their primary power source, with the electric battery monopolizing low speed power responsibilities and adding an extra boost to acceleration when you’re already driving at a high rate of speed, it has a minor contribution towards improving fuel economy compared to a PHEV. Plug-in hybrid electric vehicles, on the other hand, are mostly electric and only tap their gasoline reserves when the electric motor and stored power reserves fall below a certain level. This provides a significant boost to the fuel economy, making the vehicle much more popular among families who need the roomy interior and hauling capabilities of a minivan coupled with the affordability of an estimated 84 MPG fuel economy. Thanks to the outpouring of consumer demand, it wasn’t long before Chrysler finally pull their head out of the sand and gave their customers the PHEV version of the Chrysler Pacifica Hybrid that everybody wanted.
Of course, the overall savings for your hybrid, as well as the insurance coverage you purchase for it, will depend on a great variety of factors. Your location is probably the most important one. Sure, you can save a ton of money by owning a PHEV hybrid in an area with the infrastructure to support plug-in electric vehicles, as well as a political climate which supports Financial incentives for motorists who drive low emission automobiles. But if you live in a state where these advantages don’t exist, where insurance companies are skittish about honoring claims for technologically advanced vehicles, or both, it can make your monthly insurance premiums significantly more expensive.
We touched on it in the paragraph above, but it bears repeating: much like an old man shaking his cane and yelling at the neighborhood kids to get off his lawn, there are lots of insurance companies out there – especially the older and more established ones – which aren’t fond of the idea of covering electric and/or hybrid vehicles. The technology is more expensive to repair and replace, which means you may cost them more money if you have to file a claim. Insurance companies put a lot of effort toward financially protecting themselves from losing profits by paying out on these expensive claims, which is why people who drive hybrids usually have a tough time getting an affordable policy.
Some insurance companies are more enthusiastic about insuring hybrid vehicles than others. Just take a look at the chart below. As you can see, there is a noticeable difference between how much you would pay for a pure gasoline Chrysler Pacifica and its fuel-efficient electric hybrid counterpart – but the major providers are torn as to whether that difference should work in your favor or not. At the end of the day, it may come down to which end of the balancing act you feel is more economical: paying a little bit more for insurance coverage and saving a ton of money on gasoline? Or allowing your wallet to hemorrhage cash (and allowing your tailpipe to hemorrhage CO2 into the atmosphere) constantly refueling a vehicle which only gets an average of 22 miles per gallon? Only you can know for sure, based on your personal circumstances, which scenario is more financially beneficial to you.
Or, you could take advantage of how are simple, free quote generator to get as close as humanly possible to having your cake and eating it too. Regardless of how difficult it may seem to get a fair price for your Chrysler Pacifica hybrid car insurance coverage, we’re willing to bet that we can find a provider near you who is both capable of and willing to offer you affordable premiums alongside exemplary customer service. Just imagine how much money you could save if you lowered your monthly premiums by 22% or more overnight! Here at AutoInsuranceEZ.com, we work hard to make that dream a reality for motorists like you.