1999 Ford F-150 SVT Lightning Car Insurance Cost – 7 Savings Tips

Looking for lower car insurance rates for your Ford F-150 SVT Lightning? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. Since consumers have many insurance providers from which to choose, it can be diffult for consumers to find the cheapest insurance company.

Consumers need to check car insurance prices every six months since rates change frequently. Even if you think you had the best price on F-150 SVT Lightning insurance a few years ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

Insurance Coverage Prices

There are multiple methods to compare 1999 Ford F-150 SVT Lightning insurance coverage quotes, but there is one way that is more efficient than others. You could spend the better part of a day talking to insurance companies in your area, or you could use online quotes for quick rates.

Many companies belong to an insurance system that allows shoppers to submit their information once, and at least one company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to each company. To find out what other companies charge for 1999 Ford F-150 SVT Lightning insurance click to open in new window.

The single downside to getting quotes like this is you are unable to specify which carriers you want to price. So if you prefer to choose specific providers to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using the exact same coverage limits and deductibles for every quote you compare. If your comparisons have unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Ford F-150 SVT Lightning.

Discounts are basically free money

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be requested specifically before you will receive the discount. If you’re not getting every credit possible, you’re paying more than you need to.

  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts are:

Check with each company which discounts you may be entitled to. Some discounts may not be available in your area.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I get a multi-policy discount?
  • Does coverage extend to Mexico or Canada?
  • What discounts do I qualify for?
  • Is a new car covered when I drive it off the dealer lot?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Can you really save $491 a year?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing that you can save if you change your policy.

How does each company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and drives newer vehicles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save a lot of money.

Consumers who are not a match for the “perfect” profile will be quoted higher prices which leads to the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently claim big savings.

This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Learn about car insurance coverages for a Ford F-150 SVT Lightning

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Collision protection

Collision insurance pays for damage to your F-150 SVT Lightning caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, rolling your car, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, hitting a bird and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford F-150 SVT Lightning.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.


This will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, structural damage, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, pain medications, nursing services and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Find Good Coverage for Less

We just showed you a lot of tips how to compare 1999 Ford F-150 SVT Lightning insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with a small local company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Low-cost insurance can be sourced online and also from your neighborhood agents, so you should compare both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed auto insurance information is available at these sites: