1993 Ford F-150 SVT Lightning Insurance Quotes – 10 Policy Discounts

Buyers have a choice when searching for affordable Ford F-150 SVT Lightning insurance. They can either waste time driving around to compare prices or use the internet to find the lowest rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for your Ford and find the best price possible from both online companies and local agents.

Consumers should take time to shop coverage around quite often because insurance coverage rates are variable and change quite frequently. If you had the lowest premium rates on F-150 SVT Lightning coverage a few years ago a different company probably has better prices today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to find the best rates while maintaining coverages. The purpose of this post is to tell you how car insurance quotes work and some tips to save money. Consumers just need to know the proper way to find the lowest price online.

Take these ten policy discounts and save

Insurance is not inexpensive, but you might already qualify for some discounts to help bring down the price. Some discounts will apply at the time of purchase, but a few must be manually applied before you will receive the discount.

  • Save with More Vehicles Insured – Buying insurance for more than one vehicle with the same insurance company can get a discount for every vehicle.
  • Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks get auto insurance on your computer.
  • Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off on F-150 SVT Lightning coverage but check with your company.
  • Telematics Discount – Drivers that enable companies to scrutinize driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Defensive Driver Discount – Participating in a course in driver safety can save you 5% or more depending on where you live.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
  • Waiver for an Accident – but companies like State Farm and Progressive will forgive one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
  • Military Rewards – Being deployed with a military unit could mean lower premium rates.

A quick disclaimer, most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic.

To see insurance companies with discount rates, click here.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions could help you determine if you may require specific advice.

  • How high should deductibles be on a 1993 Ford F-150 SVT Lightning?
  • I don’t drive much so do I pay less?
  • What is the minimum liability in my state?
  • What can I do if my company won’t pay a claim?
  • Am I covered when driving in Canada or Mexico?
  • How much can I save by bundling my policies?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers can’t get away from ads that claim the lowest prices from companies such as Progressive, Allstate and Geico. All the companies try to convey promises that you can save after switching your auto insurance policy to them.

But how can every company claim to save you money? This is the trick they use.

Companies have specific criteria for the type of customer that earns them the highest profit. One example of a profitable customer could possibly be a female over age 40, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits those characteristics will most likely get cheap prices and will probably save a lot if they switch.

People who fall outside the requirements will probably have to pay more expensive rates and this results in the customer not purchasing. The trick companies use is to say “people that switch” not “everyone who quotes” save that kind of money. That’s the way companies can truthfully make claims like that.

Each company has different criteria, so it’s extremely important to compare free auto insurance quotes often. It’s just too difficult to predict which company will have the best prices at this point in time.

Coverages available on your policy

Learning about specific coverages of car insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

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

Comprehensive can pay for claims like falling objects, theft and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like X-ray expenses, EMT expenses, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150 SVT Lightning.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability – Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, structural damage, funeral expenses, medical services and loss of income. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision – This coverage covers damage to your F-150 SVT Lightning resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, backing into a parked car, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

A fool and his money are soon parted

Affordable 1993 Ford F-150 SVT Lightning insurance is definitely available on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide the ability to get quotes online and many times these small, regional companies only sell through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

In this article, we covered some good ideas how you can shop for 1993 Ford F-150 SVT Lightning insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest premium rates are with an unexpected company.

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