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Lincoln auto insurance: what you need to know.

Lincolns are the luxury division of American manufacturer Ford. In fact, they’re famous for establishing the personal luxury car brand with the 1940 Lincoln Continental. They’ve kept up that image of luxury throughout the decades, especially with the Lincoln Town Car. With a slight uptick in Canadian sales for the first quarter of 2021, you may be looking to purchase your first Lincoln.

Before you buy, it’s prudent to figure out how much the auto insurance on your Lincoln will cost. You’ll want the reassurance that any potential damages will be covered in the future, especially for a ‘luxury car’ like this. Of course, your Lincoln car insurance quotes will vary based on a lot of different factors like say, your age and where you live in Canada.

When it comes to getting cheap car insurance for your Lincoln, the safety features are a huge plus. Things like the number of airbags, emergency braking, parking assistants, and crash-avoidance systems will only help you get a better rate, but they won’t be the deciding aspect in your insurance cost.

If you’re wondering what goes into determining the cost of Lincoln insurance in Canada, then LowestRates.ca has got your back. Keep scrolling to learn more about what goes into Lincoln insurance rates.

How much is insurance for a Lincoln?

While there are countless sites that will tell you the average cost for Lincoln insurance, it doesn’t make a lot of sense to rely on those numbers due to all the variables at play. Like most auto companies, there is an internal formula to determine the cost of Lincoln insurance coverage. Even though we don’t have complete transparency into that formula, there are still a few ways you can get an idea of the cost and what to keep in mind to get a price that works best for you.

An important note is that the car insurance price for your Lincoln will in large part depend on where you live, even down to if it’s a city or a town. Lincoln insurance for a younger driver will also cost more.

Insurance companies also factor in the possibility that the car will need repairs, so buying a model with parts that are easily available will only help your Lincoln insurance claims.

It’s also worth noting that only the Atlantic provinces, Ontario, Alberta, Quebec, and the territories have private insurance markets. Meaning if you live elsewhere, your options are limited when it comes to vehicle insurance for a Lincoln. So the question, “How much is insurance for a Lincoln?” is really made up of several smaller questions, and it’s better to apply for car insurance quotes for your Lincoln.

Estimated Premium

See how our customers with collision coverage save big on auto insurance.

Customer	Location	Vehicle	Lowest rate	Average rate	Saved
Quote from April 25, 2024 Customer Male, 39 years old	Location ontario	Vehicle 2017 LINCOLN MKZ SELECT 4DR AWD	Lowest Rate $353/mth $4,231/yr	Average Rate $442/mth $5,308/yr	Saved $90/mth 20.29%
Quote from April 25, 2024 Customer Female, 44 years old	Location ontario	Vehicle 2024 LINCOLN NAUTILUS RESERVE 4DR AWD	Lowest Rate $212/mth $2,548/yr	Average Rate $279/mth $3,342/yr	Saved $66/mth 23.76%
Quote from April 25, 2024 Customer Male, 87 years old	Location ontario	Vehicle 2020 LINCOLN MKZ RESERVE 4DR AWD	Lowest Rate $101/mth $1,209/yr	Average Rate $154/mth $1,845/yr	Saved $53/mth 34.47%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about Lincoln auto insurance rates, answered.

What is the cheapest Lincoln to insure?

It's hard to say which Lincoln model is the cheapest to insure, given that it largely comes down to the driver, their history, and their location. A rule of thumb is that any model with custom trim will have more expensive insurance, simply because of custom repairs.

Like so much about car insurance, figuring out what the best insurance policy for your Lincoln is won’t come down to just one thing. LowestRates.ca can help put you in touch with a broker who can help you find cheap Lincoln car insurance, but also one that’s the best fit for your situation.

Used vs. new Lincoln: which is cheaper to insure?

If you’re reviewing your Lincoln insurance options, it’s important to realize that insurance for a used Lincoln will almost always be cheaper. Leased and newer cars typically require comprehensive collision coverage, which will increase the cost of your coverage.

In terms of comparing Lincoln insurance, used cars are generally older, at least five years, and they typically don’t need that extra coverage. Of course, it depends on what model you want, but going used will likely help you get some of the best car insurance rates for your Lincoln.

What is the best car insurance for a Lincoln?

The same as it was for car models, there won’t be a single insurance provider that’ll give you the best car insurance for your Lincoln. When it comes to getting the best car insurance rates for your Lincoln what matters most is who’s driving, where they’re driving, and how many kilometers they plan to travel.

It also won’t make much of a difference if you get a Lincoln insurance broker online or in-person, since every company has different underwriting standards. Either choice is a healthy one when it comes to discussing your options.

Before reaching out to a broker, try using LowestRates.ca’s free comparison tool to get a sense of car insurance prices for Lincolns. It will compare the market of over 50 Canadian insurance providers and show you which company is offering you the lowest rate (hence our name). We can even help you get in touch with a broker afterwards.

How are auto insurance quotes for Lincoln calculated?

Location: As mentioned before, this can be down to if you live in a rural or urban area, as it affects how much driving you do. It can also vary by province since each one regulates its own insurance costs. For example, Ontario is more expensive than Quebec. Throughout Canada, rates on Lincoln insurance will vary.
Age: Any driver under the age of 25 is going to have a tougher time getting cheap insurance, simply because they’ve driven less.
History: Similarly, if you’ve never been convicted of a driving-related offence you’re going to have a better time with your Lincoln insurance review.
Customer loyalty: Every insurance company in Canada appreciates some customer loyalty, so if you were to get a renewal on your Lincoln insurance with the same one, it’s possible you can get a better rate.
The insurance company’s own underwriting: Each company’s underwriting standards will vary.

Is it safe to buy Lincoln insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.