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1999 Ford F-150 SVT Lightning Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Searching for better car insurance rates for your Ford F-150 SVT Lightning? Searching for affordable car insurance on the internet is intimidating for consumers not familiar with comparing rates online. With so many online companies, how can you even start to compare the different rates to find the best available rates?

It’s a good habit to shop coverage around quite often because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best rates for F-150 SVT Lightning coverage a couple years back other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because we’re going to show you one of the best ways to reduce your cost while increasing coverage.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Some trigger automatically at the time of purchase, but less common discounts must be specifically requested before you get the savings.

  • Early Signing – Select companies give a discount for signing up before your current expiration date. This can save 10% or more.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for F-150 SVT Lightning coverage depending on your company.
  • Student Driver Training – Require your teen driver to take driver’s ed class in high school.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for F-150 SVT Lightning coverage than drivers with accidents.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

Insurance companies that may have these discounts include:

Double check with each insurance company how you can save money. Some discounts might not apply in every state.

How do I know if I need professional advice?

When choosing the right insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • If my 1999 Ford F-150 SVT Lightning is totaled, can I afford another vehicle?
  • Is my state a no-fault state?
  • Do I need motorclub coverage?
  • Is my custom paint covered by insurance?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance coverage covers 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 coverage pays for things such as vandalism, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford F-150 SVT Lightning.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – This can cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical expense coverage – Med pay and PIP coverage kick in for expenses such as X-ray expenses, pain medications, surgery and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays for damage to your F-150 SVT Lightning 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 can pay for claims like colliding with a tree, rolling your car, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Saving money makes a lot of cents

In this article, we covered many tips how you can lower your 1999 Ford F-150 SVT Lightning insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from the least-expected company.

Drivers change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, being labeled a high risk driver or high prices. It doesn’t matter what your reason, finding a great new company is actually quite simple.

While you’re price shopping online, you should never reduce needed coverages to save money. There have been many situations where an insured cut full coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest price.

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