I'm 36 yrs old and married. I checked one insurance company on-line, comparing a 2000 F-150 Extended cab 4x4 (I have a '97 model) vs. a 2000 Lightning. It was about $100 a year more for the Lightning, which is very manageable.

Is this what you guys/gals found out?

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'97 F-150 EC 4x4, 4.6L

 

Topsy,
Before I got my L I had a 99 F150 SuperCab 4X4 and when I got the L the insurance dropped 60 a month. They said it was due to the fact that the 99 was a 4X4. Hope that helps.

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00 Black Lightning
No mods yet, just enjoying her stock for now!

 

My 00 L insurance was $60 a year cheaper than my 00 V6 Explorer.

 

I just called my Ins company yesterday. They quoted 253 every 6 mo. on a 2001 L. They rate it the same as a regular F-150. I'm 35 and married.
GalaxyEng

 

I am paying State Farm $700 a year for a 1991 4x4 Dakota and $900 a year for the 1999 Lightning. Just got a $90 refund on the Lightning from State Farm. I think I have to shop though. I am going to try Geico.

 

I use MetLife, and they don't count the Lightning as anything different than a straight F-150. I'm also 36, Married and my rates for the L, a 2000 Explorer and a 1951 F-1 Pickup are $540 for 6 months, with good driver and homeowners discount. If I make it till November without a clainm I'll get another $50 discount for "super good driver".
The '51 is covered as a "collector Car" with $25,000 Comp/Collision coverage but limited mileage (less than 1000 miles per year)
Call your independent agent.

 

mine is about 800 a year for full coverage and 250 500 250 with a 1m umbrella in case i really screw up.its chaeper than my 98 convertible 6 cyc mustang which is 1200 a year.

 

SVT-Snake, your insurance rate actually dropped going to a Lightning? I got an estimate and it increased $30/month, which is $360/year more for me.

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1998 F-150 XLT Reg. Cab Flareside 4x4, Black, 5.4L, 3.55LS, tow package, 285/75/r16 Mud Terrain BFG's,K&N, GTS headlight covers, Alpine changer w/FM mod, Clifford alarm system w/keyless entry & starter disable // Future considerations: Bed mat, tonneau cover, 4" suspension lift.

1971 F-100 Sport Custom Reg. Cab
-390FE w/Edelbrock Performer RPM intake, 780cfm Holley, ported & polished cylinder heads,
Hydraulic Crane Cam, 10.5:1 CR, Black Jack headers, true double roller timing chain, and high volume oil pump
-C6 transmision w/B&M 2600rpm stall
-9" Ford Rearend w/4.10 Richmond Gears & 31 spline axles
-215/65/r15 Yokohama's for the front & 28"x13.5"x15" Mickey Thompson ET Street slicks for the back

 

My 99 L is LESS than my 90 Subaru beater by $90. Go figger!

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99 White Lightning,#3042 Bedrug, Tint on all glass
Sheepskin seat covers
Sals PSP filter kit and Chip (wow)
Superwhite 100/85 lights
MB Quarts,
Rockford 8" Sub in Custom enclosure
Eclipse Amp