Well I called to get my L insured today and I was surprised to find the low rate I got. They never even asked me if it was a Lightning. All she said is f150 v8--- and I said yes thats it.. Hey I am not lying becuase that is what the truck is listed as.. I got full coverage for all year for only 426 dollars.. I was thinking it was going to be alot more.

 

through?

 

I tried the same thing and they couldn't find it until I told them it was a Lightning. I still only pay $515 a year full coverage.

 

When you say "full coverage"
Wat does that mean ?
Collision - Comprehensive - uninsured motorist ?
What are the limits and the deductible

 

full coverage means theft, collision, liability, fire, flood. etc... my deductible is 250 dollars..

 

yep, that cheap insurance might work real well. dont know what will happen if stolen, will it replace value be on V8 F150, them are pretty cheap.

 

All the above w/ 300k/100k and a 500 deduct.

Liberty Mutual Ins.

 

Wow you guys must be really old and have no traffic infractions ever,
I'm 21 and own my L to get Insurance on my 02 L they automatically know its a L because when you give them the VIN# it comes up as
F150 SVTLT and my insurance is $1200 every six months for full coverage and my deductable is 1000 for both comp & Colision. i've never had a wreck only 2 speeding tickets. So i'm gettin screwed.

 

Im 21 years old also and I have no tickets or wrecks and it is 400 and change for 12 months, that is under my second vehicle, my escalade is 1800 a year. The insurance company does not know it is an L and I gave them my vin number. They said it is fully covered no questions asked. It is insured at book value 18,500.

 

some insurance companies don't know the difference

Between myself and the wifes Neon. Hers cost more for insurance BTW

I pay not quite 1900 for both for a year.

 

Yeah I know, the dumb broad that I talked to would have never figured that one out...

 

Now the truth comes out. Being a second vehicle it's a whole lot cheaper. If I were insuring either my L or my BMW by itself it would be about $1900 per year, but together with the same coverage on each it's only $360 more for both.

When I had a beater to drive around it was actually much cheaper to insure the Lightning and the beater than the lightning by itself. So even if I didn't have a second car I would go get a piece of junk insure to lower my premium. It's been this way for the past three auto insurers I've had.

 

The truth????? I was never lying in the first place..I still think that is a good price for an L being 21 years old with 3 cars. Plus I told them the truck stays in the garage for 5 or 6 months out of the year also.

 

I pay the same exact as you do...well...My L and my beater both on the same policy...

 

Most insurance companys rate our lightings as a regular truck even tho they know its a Lightning. Thats what allstate dose.