1993 Ford F-150 SVT Lightning Insurance Rates – 7 Ideas for Best Quotes

Trying to find lower insurance rates for your Ford F-150 SVT Lightning? Perplexed by the dozens of insurance company choices? You’re not alone. Drivers have so many options available that it can turn into more work than you anticipated to find the best price.

You need to compare prices every six months since rates trend upward over time. Just because you found the best rates for F-150 SVT Lightning insurance last year there may be better deals available now. So just block out anything you think you know about insurance because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Nevertheless, drivers can benefit from knowing how companies sell insurance online because it can help you find the best coverage.

Be sure to get all your discounts

Car insurance companies don’t always advertise all available discounts very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using.

  • College Student – Children who live away from home without a vehicle on campus can receive lower rates.
  • Senior Citizens – Mature drivers can possibly qualify for a discount up to 10% for F-150 SVT Lightning insurance.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.

Drivers should understand that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies with discount auto insurance rates, follow this link.

How to Buy Insurance Online

There are multiple methods to compare 1993 Ford F-150 SVT Lightning insurance quotes, and some are easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you could use the web to maximize your effort.

The majority of car insurance companies participate in a marketplace that allows shoppers to send in one quote, and each participating company returns a competitive quote. This system prevents you from having to do quote forms for every insurance company. To compare 1993 Ford F-150 SVT Lightning rates using this form now click to open in new window.

One minor caviat to using this type of system is that you can’t choose which insurance companies to receive prices from. If you wish to select from a list of companies for rate comparison, we have assembled a list of insurance companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing apples-to-apples information for every company. If you use different limits and deductibles on each one it will be impossible to find the best deal for your Ford F-150 SVT Lightning. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that quoting more helps you find the best rates.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover if you might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Does liability extend to a camper or trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my spouse’s policy after a separation?
  • If my 1993 Ford F-150 SVT Lightning is totaled, can I afford another vehicle?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as court costs, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1993 Ford F-150 SVT Lightning.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for expenses for nursing services, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Feed the piggy bank

Lower-priced 1993 Ford F-150 SVT Lightning insurance is possible online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, never skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

You just learned a lot of ways to get a better price on insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a small mutual company.

More detailed car insurance information is available in these articles: