2000 Ford F-150 SVT Lightning Car Insurance Rates

Want the cheapest insurance rates for your Ford F-150 SVT Lightning? Finding cheap premium rates for insurance might be very difficult for people new to online insurance quotes. You have so many companies to choose from that it can easily become a lot of work to find cheaper premium rates.

Decisions you make can impact your insurance prices

Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although others are not as apparent such as your marital status or your vehicle rating.

  • Big cities have higher rates – Choosing to live in small towns and rural areas is a positive aspect when it comes to auto insurance. People in densly populated areas tend to have more traffic problems and longer commute times. Less people corresponds to lower accident rates and lower theft and vandalism rates.
  • Good credit equals lower costs – Credit score factor in determining what you pay. Drivers who have very good credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. Therefore, if your credit rating is low, you could save money insuring your 2000 Ford F-150 SVT Lightning by improving your rating.
  • Prevent policy lapses – Having a gap between insurance policy dates can be a fast way to drive up your policy premiums. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a license revocation or jail time.
  • Women tend to cost less – The statistics show women tend to be less risk to insure than men. It does not mean females are better at driving than males. They both get in fender benders at about the same rate, but the males tend to have more serious accidents. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are the most expensive to insure and therefore pay the highest rates.

Find discounts on insurance

Auto insurance companies don’t always advertise all disounts in an easy-to-find place, so the following list contains a few of the more common and also the more inconspicuous credits available to bring down your rates.

  • Defensive Driver Discounts – Taking time to complete a course in defensive driving is a good idea and can lower rates and make you a better driver.
  • Homeowners Savings – Being a homeowner can get you a discount because owning a home requires personal responsibility.
  • Government Employees – Federal government employees may qualify for a discount when you quote auto insurance on F-150 SVT Lightning insurance with certain companies.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.

One last thing about discounts, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.

Larger insurance companies and the discounts they provide are included below.

  • Travelers may include discounts for student away at school, multi-car, driver training, new car, and home ownership.
  • 21st Century offers discounts for driver training, student driver, defensive driver, homeowners, teen driver, and 55 and older.
  • State Farm discounts include multiple policy, Drive Safe & Save, anti-theft, safe vehicle, driver’s education, good driver, and passive restraint.
  • GEICO offers premium reductions for seat belt use, anti-lock brakes, multi-vehicle, daytime running lights, anti-theft, and five-year accident-free.
  • SAFECO includes discounts for accident prevention training, bundle discounts, homeowner, anti-lock brakes, teen safety rewards, multi-car, and teen safe driver.
  • AAA may offer discounts for pay-in-full, AAA membership discount, multi-policy, multi-car, anti-theft, and education and occupation.

If you are trying to find affordable auto insurance quotes, ask each company to apply every possible discount. All car insurance discounts might not be available to policyholders in your area. To locate insurance companies that offer the discounts shown above, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my trailer covered?
  • Can I make deliveries for my home business?
  • Should I rate my 2000 Ford F-150 SVT Lightning as pleasure use or commute?
  • What exactly is covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need replacement cost coverage?
  • What is PIP insurance?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses such as funeral costs, rehabilitation expenses, dental work and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This covers damage to your F-150 SVT Lightning resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, falling objects, damage from getting keyed and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford F-150 SVT Lightning.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Liability coverage – This can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Smart shoppers get results

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, poor customer service and questionable increases in premium. Whatever your reason, finding a new company can be easy and end up saving you some money.

You just read a lot of ways to get a better price on 2000 Ford F-150 SVT Lightning insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

As you shop your coverage around, do not reduce needed coverages to save money. There are many occasions where an insured dropped full coverage and discovered at claim time that it was a big error on their part. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

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