Lincoln Car Insurance

Fill Out, Submit To Get A Quote

Lincoln Car Insurance

For over 30 years, Humberview Insurance Brokers has been dedicated to helping Lincoln vehicle owners in Ontario, Canada, secure the best deals on their car insurance. Our commitment goes beyond just competitive rates; we believe that a well-informed Lincoln driver is a happier, safer driver. That's why we offer expert advice and personalized service tailored specifically for Lincoln vehicles. From the initial quote to getting coverage—and even beyond—we're here to ensure your insurance experience is seamless and exceptional. Contact us today to get a quote on Lincoln car insurance in Ontario.

Standard Lincoln Insurance in Ontario


This aspect of your Lincoln car insurance policy provides protection against potential damages you may cause to others or their property. It's crucial for Lincoln drivers who prioritize safe and responsible driving habits.

Direct Compensation Property Damage

This coverage safeguards your Lincoln against damage from your own insurance company when you're not at fault. If you're responsible for the accident, collision or all perils coverage becomes essential. Beginning January 1, 2024, there's an opportunity to opt-out of this coverage.

Uninsured Automobile Coverage

Uninsured Motorist Coverage: A must-have for Lincoln owners, this coverage ensures protection if you're hit by an uninsured driver or involved in a hit-and-run incident. It covers damage to your Lincoln caused by an identified uninsured driver, providing security for your valuable vehicle in such unforeseen circumstances.

Accident Benefits

This coverage ensures compensation if you or others are injured or killed in a car accident. For Lincoln owners, it offers peace of mind, knowing that you and your passengers are covered. There are various options available to enhance this coverage, so consulting with a broker is advisable.

Additional Coverages You Should Add For Your Lincoln Insurance

Lincoln Collision Coverage

This type of coverage ensures protection for your Lincoln in the event of colliding with an object or another vehicle. It's crucial for Lincoln owners to safeguard their vehicle in case of a collision.

Comprehensive Coverage for Lincoln

This coverage provides protection for specific types of damages such as theft, fire, and falling objects. It's essential for Lincoln drivers to shield their vehicle from various unforeseen events.

All Perils Coverage

Offering the most comprehensive physical protection for your Lincoln, this coverage combines collision and comprehensive coverages. It enhances security against theft and other risks.

Accident Forgiveness Coverage

An additional option that protects your driving record and prevents your insurance rate from increasing after your first at-fault accident. This is particularly beneficial for Lincoln drivers who have a history of accident-free driving.

Depreciation Waiver Coverage

In the event of a total loss, this coverage ensures you receive the purchase price of your Lincoln, providing significant financial protection.

Rental Vehicle Coverage

This coverage provides a rental vehicle up to a specified limit after an insured loss, ensuring you remain mobile while your Lincoln is undergoing repairs.

How Lincoln Car Insurance Rates are Determined


The Lincoln Model You Drive

Factors such as the model's engine size, value, and safety ratings can impact your insurance premiums. Different Lincoln models may incur varying insurance costs based on these characteristics.


How You Drive

If you frequently drive long distances or use your Lincoln for daily commuting, you may generally expect higher insurance premiums compared to those who use their vehicle sparingly for occasional trips.


The Area in Which You Live

Your residential area and the regions where you often drive your Lincoln can influence your insurance rates. Typically, urban areas with heavy traffic tend to have a higher risk of accidents, potentially leading to increased insurance premiums.


Driver Profile

Elements like your age, driving record, history of tickets or accidents, and the age at which you obtained your driver's license all play a role in determining your insurance premiums.


All the Coverages You Choose

The specific insurance coverages you choose for your Lincoln can impact the overall insurance costs. It's essential to select coverages that suit your needs, and our expert brokers can assist you in making informed decisions.


Discounts You Qualify for

Various discounts may be available. If you qualify, they can lower your final Lincoln car insurance rate.

Ways You Can Save to Get a Cheap Lincoln Car Insurance Quote

Bundle Insurance Policies

Combining your Lincoln car insurance with a home insurance policy may qualify you for a multi-line discount.

Insure Multiple Vehicles

If you own more than one vehicle, including your Lincoln, insuring all of them with the same company could give you a multi-vehicle discount.

Shop Around

In areas like Ontario, it's wise to explore various options for Lincoln car insurance, whether through agents, brokers, or direct insurance companies. Given the diversity of Lincoln models, some insurers might offer better deals or specialized coverage.

Increase deductibles

Assess your ability to cover minor damages to your Lincoln and adjust your insurance deductible accordingly. This can potentially lower your premium costs.

Pay Annually

Save on extra fees by paying for your Lincoln car insurance annually or in larger installments. Monthly payments often entail additional charges.

Install Winter Tires

Utilizing winter tires on your Lincoln is not only essential for safety in colder climates but may also result in discounts on your car insurance.

Driver’s Training Course

For new or inexperienced Lincoln drivers, completing an approved driver training course could lead to reduced insurance costs.

Consider Renewal Discounts

Many insurance companies offer discounts for policy renewals. When seeking Lincoln car insurance, consider long-term renewal prices and potential savings.

Lincoln Auto Insurance by Model

Lincoln MKZ

A luxurious mid-size sedan renowned for its refined design, impressive fuel efficiency, and dynamic performance. The MKZ appeals to drivers seeking a perfect blend of elegance and exhilaration, offering a spacious and comfortable interior along with advanced safety features. Lincoln MKZ Insurance Quote.

Lincoln Nautilus

An upscale mid-size SUV known for its distinctive style, spacious cabin, and advanced technology. The Nautilus caters to individuals and families alike, providing ample cargo room, cutting-edge safety features, and a smooth driving experience for various lifestyles. Lincoln Nautilus Insurance Quote.

Lincoln Aviator

A premium mid-size SUV celebrated for its striking appearance, luxurious interior, and powerful performance. The Aviator offers seating for up to seven passengers, along with advanced safety technologies and refined craftsmanship for unparalleled comfort and confidence on the road. Lincoln Aviator Insurance Quote. Lincoln RX Insurance Quote.

Lincoln Navigator

A flagship full-size luxury SUV, the Navigator is the epitome of sophistication and capability. With its spacious and lavish interior, cutting-edge technology, and robust performance, the Navigator is ideal for discerning families and individuals who demand nothing but the best. Lincoln Navigator Insurance Quote.

Lincoln Corsair

A compact luxury SUV known for its refined design, agile handling, and premium features. The Corsair offers a comfortable and quiet ride, along with advanced technology and safety systems, making it a compelling choice for urban drivers and small families. Get a Lincoln Corsair Insurance Quote today.

Lincoln Car Insurance FAQ

  • Is Lincoln Car Insurance Costly?

    Lincoln car insurance rates are generally moderate to high, given Lincoln's status as a luxury brand. Several factors contribute to the cost:

    Safety Ratings:Lincoln models typically boast excellent safety ratings, which can positively impact insurance costs.

    Repair Costs:As a luxury brand, Lincoln vehicles may entail higher repair expenses compared to standard vehicles, influencing insurance rates.

    Model and Features:Different Lincoln models, ranging from sedans to SUVs, carry varying insurance costs based on their value, size, and specific features.

  • Is Lincoln Navigator Car Insurance Expensive?

    Insurance for the Lincoln Navigator might be higher due to its classification as a luxury SUV. However, its advanced safety features and Lincoln's reputation for reliability can help mitigate the cost. Specific features that are costly to repair can influence premiums. Factors such as the driver’s history and vehicle usage also play a role in determining the final rate.

  • What is the Cheapest Lincoln Model to Insure?

    Typically, the Lincoln MKZ, as a mid-size luxury sedan, tends to be among the more affordable Lincoln models to insure. This is partly due to its lower market value and efficient performance. However, rates also depend on personal factors such as driving record and location.

  • Is the Lincoln Nautilus Insurance Cost High?

    The insurance cost for the Lincoln Nautilus is generally considered moderate, but certain factors can lead to variations in rates:

    Vehicle Value: As a luxury midsize SUV, the Lincoln Nautilus commands a higher value compared to standard vehicles. This typically leads to moderate to high insurance costs. However, its pricing may vary compared to other luxury SUVs in its class.

    Safety Ratings: The Lincoln Nautilus comes equipped with advanced safety features and has generally positive safety ratings. These features can positively influence insurance rates by reducing the risk of accidents and injuries.

    High Theft Rate:While not among the most frequently stolen vehicles, the Lincoln brand, including the Nautilus, may still be targeted by thieves due to its luxury status and valuable components. This could contribute to slightly higher insurance premiums.

    Advanced Electronics: Like many modern luxury vehicles, the Lincoln Nautilus boasts sophisticated electronics and complex components. While these features enhance the driving experience, they can also lead to increased repair costs if damaged, potentially affecting insurance rates.

    Driver Profile: The typical Lincoln Nautilus driver profile often includes individuals or families seeking a combination of luxury, comfort, and practicality. This demographic can positively influence the vehicle's risk profile, potentially mitigating some insurance costs.

  • What is the Best Lincoln for Ontario Roads?

    In Ontario, Lincoln models equipped with all-wheel drive (AWD) are highly recommended for winter conditions. Models to consider include:

    Lincoln Navigator and Aviator:Both offer AWD options, providing stability and traction in snowy conditions.

    Lincoln Corsair:A compact luxury SUV with available AWD, suitable for urban and highway driving during winter.

    Equipping these models with quality snow tires further enhances their winter performance.

  • Are Lincolns Good Cars?

    Yes, Lincolns are esteemed for several reasons:

    Reliability:As Ford's luxury division, Lincoln inherits Ford's reputation for reliable vehicles.

    Resale Value:Lincolns typically retain good resale value due to their quality and brand recognition.

    Fuel Efficiency: Despite offering luxury features, many Lincoln models prioritize fuel efficiency.

    Safety: Lincoln vehicles often feature advanced safety technologies and sturdy construction.

    Luxury and Comfort:Renowned for their opulent interiors and smooth rides, Lincolns cater to drivers seeking both luxury and comfort.

    Performance:Lincoln vehicles strike a balance between luxury and performance, appealing to a broad spectrum of drivers.


Window Tint Law Canada | Are Tinted Windows Legal?

ing is not just a style statement for your car. It’s a smart choice that enhances aesthetics, provides privacy, and protects you from harmful ultraviolet rays. Understanding tinting...
Read More

Ontario Government Proposes Stricter Impaired Driving Laws

Stricter Impaired Driving Penalties Coming to Ontario The Ontario government plans to introduce tough new measures for impaired driving, including ignition interlock devices and lifetime driving bans, to...
Read More

Car Thefts in Peel: Shocking 7,700+ incidents in 1 Year

In an unsettling trend, the Peel Region of Ontario, encompassing Mississauga and Brampton, is experiencing a significant number of car thefts, indicating a widespread issue that demands immediate...
Read More

Honda’s New $14 Billion Electric Vehicle and Battery Plant in Ontario

Sources say, Honda Canada is gearing up to revolutionize the automotive landscape by establishing a new electric vehicle (EV) battery plant alongside its existing manufacturing facilities in Alliston,...
Read More
lady is happy driving a vehicle after getting ignition interlock installed in Ontario

Ignition Interlock Ontario

About the Ontario Ignition Interlock Program The Ontario Ignition Interlock Program is mandatory for individuals who either have a conviction for impaired driving under the Canadian Criminal Code,...
Read More
electric car ontario

Electrifying the Roads: Canada’s iZEV Program

Understanding the Push Towards Electric Vehicles Across the country, we see a large-scale adoption of electric vehicles that not only reduce carbon emissions but also help save money...
Read More