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There’s a reason Canadian drivers choose Lincoln. The American manufacturer, which is a division of Ford, is one of the top luxury vehicle brands in the United States.
Whether you’ve been a devoted Lincoln customer for years or are considering buying your first-ever Lincoln, you’ll need car insurance to go with it. Car insurance offers financial protection and peace of mind if you get into an accident on the road. It was designed to keep all drivers, passengers, and cars safe. To learn more about the best type of auto insurance for Lincoln vehicles, keep reading.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
No matter which Lincoln model you own or end up buying, you’ll need to choose between a wide range of coverage options for your car insurance. Here's a closer look at the different types of auto insurance coverage you're legally required to have and the ones you should consider:
Third-party liability coverage
Uninsured automobile coverage
Accident benefits coverage
Direct compensation - property damage coverage
Collision coverage
Comprehensive coverage
Accident forgiveness coverage
Waiver of depreciation
Loss of use coverage
Liability car insurance coverage offers protection if you are found at fault for an accident. This type of coverage can help pay for medical expenses related to bodily injuries, vehicle repair costs, legal counsel, and any applicable court fees. Third-party liability coverage is compulsory throughout Canada, which means your Lincoln car insurance policy will have to include this type of coverage. However, you will be able to choose what amount of liability coverage to buy so long as it meets the minimum requirement set by each provincial government. For example, in Alberta and Ontario, drivers must carry a minimum of $200,000 in liability coverage at all times. In other provinces it can be $500,000 or above.
[Not mandatory in Alberta] Uninsured automobile coverage is mandatory in Canada. It protects the policyholder and any passengers in their vehicle if they get into an accident with an at-fault driver who is uninsured or underinsured.
[Not mandatory in Newfoundland] Accident benefits coverage protects the policyholder if they, a passenger or a pedestrian, or require medical attention following an accident. Though one’s health insurance may cover the majority of medical expenses, auto insurance can help pay for expenses not covered by health insurance, such as certain prescription medications or physical therapy.
Whether you drive a Lincoln Continental, Lincoln Aviator, Lincoln MKZ, or other Lincoln models, this type of coverage protects the policyholder if they collide with another car or object on the road. Regardless of who is at fault for the accident, collision car coverage can help cover the costs of any property damage that resulted from it.
Please note that collision coverage does not cover expenses relating to injuries suffered in the accident (covered under your policy's benefits portion).
Comprehensive car coverage protects a wide range of circumstances. While many coverage options protect drivers against costs relating to collisions, comprehensive coverage protects your vehicle against theft, fire, water damage, and vandalism. This type of coverage is optional, but is a popular choice among Lincoln drivers.
One more type of optional car insurance coverage popular among Lincoln vehicles is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.
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Car insurance should never break the bank, even when you purchase a luxury vehicle like a Lincoln. The BrokerLink team knows the ins and outs of the industry, including the best tricks for saving money on car insurance. Check out this list of tips on how to get cheap Lincoln car insurance below:
As most Canadian drivers know, insurance companies consider a wide range of factors - some of which are within your control and some of which aren’t - when calculating insurance premiums. From your age and location to your driving record and the model and year of the Lincoln you choose, a list of the most common factors that impact auto insurance premiums is as follows:
From an insurer’s perspective, age is a significant factor in determining your car insurance premium. Age can be an indication of experience. Therefore, young drivers with little to no experience behind the wheel typically pay the highest premiums.
Where you intend to drive your Lincoln can also influence your insurance premium. If you live in or near a major Canadian city, such as Toronto, Vancouver, Montreal, Halifax, or Calgary, you may have higher insurance costs, given that there is more traffic on the road, which can lead to more collisions.
On the flip side, Lincoln drivers who live in rural parts of Canada may pay less for car insurance. One final geographic factor that can impact your car insurance rate is if you live in a part of the country prone to climate-related incidents.
Your driving history will be assessed when calculating your car insurance rate. Lincoln drivers with years of experience and impeccable driving records may be rewarded with lower insurance premiums. If you have decades of driving experience coupled with a clean driving record, this shows the insurance company that you are a safe and responsible driver.
In contrast, young drivers with minimal experience or drivers with poor driving records that include more than one speeding ticket, DUIs, and collisions may pay more for car insurance, given their higher risk to insure.
Finally, the specific Lincoln model you choose can also influence your insurance premium. Generally speaking, new, expensive vehicles cost more to insure than those with a model year from the early 2000s or before. As Lincolns are considered luxury vehicles, they tend to be more expensive, which could translate to higher insurance costs.
Are you up for an expired car insurance renewal? The BrokerLink team is always on hand to answer your questions, explain the coverage options available to you, and offer our best tips and tricks for saving money on your Lincoln car insurance.
Our brokers have access to multiple auto insurance policies from some of Canada's top providers, allowing them to compare car insurance rates and customize your coverage based on your needs.
Get started by contacting us today. We can be reached by phone, email, or in person at one of our many locations throughout Canada. If you're in a rush, take advantage of our free online quote tool to get competitive car insurance quotes in minutes!
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Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.
Auto insurance is mandatory for all Canadian drivers, no matter the make or model of vehicle they drive or which part of the country they live in. Each province and territory sets regulations surrounding car insurance. Before purchasing an auto insurance policy, make sure it complies with the minimum coverage requirements set by the province. If you need help choosing a car insurance policy for your Lincoln or understanding mandatory coverage in your province, contact BrokerLink today.
It’s hard to answer this question as auto insurance rates are dependent on several factors, several of which have nothing to do with the make or model of your vehicle. However, generally speaking, the less expensive the vehicle, the less it will cost to insure. Though Lincoln is considered a luxury vehicle brand, its price points are extremely varied depending on the model you choose. For example, the 2021 Lincoln Corsair retails for roughly $42,000 in Canada, while the 2021 Lincoln Navigator is over double the cost at $97,000. Therefore, to save money on auto insurance, you may wish to choose a less expensive Lincoln model.
So, how much is car insurance per month in Ontario for those who drive a Lincoln? It depends on numerous factors, such as whether you remain accident-free throughout the year, the coverage types you choose to insure your Lincoln, your insurance company, and more. Before renewing car insurance for your Lincoln brand vehicle, make sure you compare car insurance rates with various providers in Ontario to ensure you get the lowest rate possible.
Whether you're buying your first car or buying a new car, you'll need to register your car with Service Ontario. Before you do this, you'll need your driver's licence, proof that you purchased the vehicle, ownership transfer (if the vehicle is used), proof of valid insurance, and a safety standards certificate. With this information, you can head over to a Service Ontario centre in your area. The cost for your registration will be under $100.
With its comfortable interior and advanced technology, the Lincoln Nautilus is recognized for having top-tier safety ratings, making it the perfect SUV for families who want a blend of luxury and peace of mind.
Used cars are typically cheaper to insure than new cars. This is because they tend to be older and, therefore, could cost less to repair or replace if it was damaged or stolen. For this reason, if you’re looking to save money on your Lincoln car insurance, you may wish to purchase a used model.
That said, buying a used car, if it’s older, could cost you in other ways. For example, older cars may be less fuel-efficient, less durable, and may not come with warranties. Therefore, when purchasing any car, be sure to consider all the factors.
Nowadays, buying car insurance on the internet is perfectly safe. While some Canadian drivers prefer the convenience and flexibility of shopping for car insurance online, others may like to visit an insurance office in person. No matter how you purchase your Lincoln car insurance, we recommend enlisting the help of a broker. Reputable brokers like BrokerLink will dedicate themselves to finding you the best car insurance policy at the most competitive rate. We also do all the heavy lifting, so while you’re spending your Saturday relaxing at home, we’ll be working behind the scenes to find the perfect policy for you and your family.
Lincoln is an American automotive company established in 1917. Originally called Lincoln Motor Company, the brand was founded by American engineer Henry M. Leland (who also founded Cadillac). The name Lincoln is a nod to the famed American president. Five years after its inception, it was acquired by Ford and has remained a division of Ford to this day. Throughout its history, Lincoln has manufactured everything from limousines to sedans, like the infamous Lincoln Town Car. However, by the 2010s, the American automaker had pivoted to SUVs and CUVS, and today, its fleet consists entirely of luxury crossovers and sports utility vehicles.
If you've remained accident-free during your driving history, you may be wondering, "How do you report a car accident?" Each province and territory has their own collision reporting requirements. Therefore, you'll need to check the regulations for where you reside. That said, not reporting an accident is illegal when certain parameters are met. For example, in Ontario, if the damage between vehicles is over $2000, injuries occur, pedestrians are involved, or the collision involved a government vehicle, among other factors, warrant the police being contacted.
Lincoln models tend to be on the more expensive side when compared to other vehicles, given the opulent interiors and outstanding safety ratings. That being said, if you're interested in purchasing a Lincoln that is relatively still affordable, you may want to consider the Lincoln MKZ or the Lincoln MKC. Both Lincoln models start at $30,000, with the option of adding additional features based on your needs.
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