1994 Ford F-150 SVT Lightning Insurance Quotes – 6 Tips for Cheapest Rates

Price shopping your auto insurance might be difficult for drivers who are beginners to online rate comparisons. Consumers have so many options that it can easily be a lot of work to compare prices.

It is always a good idea to compare premium rates quite often because prices change regularly. Even if you think you had the best rate on F-150 SVT Lightning insurance a few years ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to lower your rates without sacrificing coverage.

Free insurance coverage quotes

The majority of larger companies make it easy to get prices for coverage online. Getting online quotes is very simple as you simply enter the coverages you want into the form. Once you submit the form, the company’s rating system makes automated requests for your driving record and credit report and generates a price based on these factors.

Online price quotes makes it easy to compare insurance prices but having to visit each company’s website and repetitively type in the same data is monotonous and tiresome. But it’s necessary to get many rate quotes if you are searching for better prices.

The quickest way to compare insurance coverage pricing uses just one form to obtain quotes from more than one company. It’s a real time-saver, reduces the work, and makes comparison shopping much easier. As soon as the form is sent, it gets priced and you can choose any of the quote results.

If you find a better price you can simply submit the application and buy the policy. This process takes 15 minutes at the most and can result in significant savings.

To get comparison pricing now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you type in deductibles and limits as shown on your current policy. This helps ensure you will have a rate comparison based on similar coverages.

Take advantage of every car insurance discount

Car insurance companies do not advertise every discount in a way that’s easy to find, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Lower Rates for Military – Being on active duty in the military could qualify you for better car insurance rates.
  • Life Insurance – Select insurance carriers reward you with a break if you buy life insurance.
  • Paperwork-free – Some companies give back up to $50 simply for signing digitally online.
  • Multi-Vehicle Discounts – Insuring primary and secondary vehicles with one company can get a discount on all vehicles.
  • Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.

Please keep in mind that some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works.

To locate insurers that offer discounts, follow this link.

How to know if you need help

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Can I afford to buy a different vehicle if my 1994 Ford F-150 SVT Lightning is totaled?
  • Do all my vehicles need collision coverage?
  • Do I have coverage if my license is suspended?
  • Should I carry comprehensive and collision coverage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Advertising myths

Well-known auto insurance companies like Progressive, Allstate and Geico regularly use ads on television and other media. All the companies tend to make the same promise about savings if you change your policy. How does every auto insurance company charge you less for car insurance? It’s all in the words they use.

Insurance providers give the best rates for the type of driver that will generate a profit. One example of this type of insured might be described as a female over age 40, has no claims, and has a high credit rating. Any customer that fits those parameters will probably get cheap premium rates and will most likely save if they switch.

Potential customers who are not a match for this stringent profile will have to pay a more expensive rate and this results in the customer not buying. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can confidently lure you into getting a quote.

This emphasizes why it is so important to do a rate comparison at every renewal. It is just not possible to predict the company that will give you the biggest savings.

Car insurance coverages for a 1994 Ford F-150 SVT Lightning

Understanding the coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1994 Ford F-150 SVT Lightning.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance will pay to fix damage to your F-150 SVT Lightning resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for rehabilitation expenses, EMT expenses, X-ray expenses, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage and falling objects. The maximum amount a auto 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 dropping full coverage.

Liability auto insurance

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, structural damage and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.

Save your cold hard cash

Some insurance providers may not offer rates over the internet and many times these regional carriers only sell coverage through independent agencies. Low-cost 1994 Ford F-150 SVT Lightning insurance can be found on the web as well as from insurance agents, and you should compare price quotes from both to have the best selection.

Drivers leave their current company for any number of reasons including policy cancellation, denial of a claim, an unsatisfactory settlement offer and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

We’ve covered many ideas to get a better price on 1994 Ford F-150 SVT Lightning insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company.

More detailed insurance coverage information is available at these sites: