Lincoln Insurance

Do You Need Lincoln Insurance?

Lincoln Navigator

The Lincoln Motor Company is a division of the Ford Motor Company. Lincoln sells five models of luxury vehicles, primarily in North America. Ford purchased the Lincoln Motor Company in 1922 and has been manufacturing automobiles under that name ever since. If you're getting a Lincoln, make sure you have adequate car insurance.

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Facts About the Lincoln Brand

  • Lincoln has a long history of providing limousines to U.S. Presidents and other dignitaries.
  • In the first 8 months of 2013, Lincoln accounted for about one-half of 1 percent of all private passenger vehicles sold in the U.S.
  • Lincoln is one of the few manufacturers to build a car specially for a President – the 1939 Lincoln Zephyr V12 used by Presidents Franklin Roosevelt and Harry Truman until 1948.

What Will a Lincoln Cost to Buy and Insure?

The cost of Lincoln's five models ranges from a high of $63,000 for the SUV Navigator to a low of $39,500 for the MKX sedan. You can probably get a better deal by comparing prices at several dealers. Remember, a big component of total automobile cost can be the finance charge, and a bad financing agreement can negate a good car deal. There are several online sources that will give you the total vehicle cost over its life, taking into account expected dependability.

The cost of car insurance is subject to many variables:

  • Your selected limits of liability
  • Your vehicle's age and value
  • Your garaging location
  • Your driving record and the driving record of other operators
  • Whether there any young operators
  • The number of miles the vehicle is driven each year
  • Your previous claims history
  • The use of the vehicle
  • The extras you buy like uninsured motorist coverage, towing, roadside assistance and emergency vehicle rental

The more expensive the vehicle, the higher will be your Lincoln insurance premium. If this is important to you, try to get a quote from your agent before you buy the car so you don't get an unpleasant surprise later.

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Auto Safety Ratings

Consumer Reports magazine rates the five Lincoln 2013 models as follows for overall safety:

  • Navigator - Fair
  • MKS - Good
  • MKT - Not yet available
  • MKX - Fair
  • MKZ - Good

Remember that these ratings can change from year to year and the ratings often improve after a model has been in production a while. One of the factors in auto insurance pricing is the safety rating of the vehicle. A low rating can adversely affect your Lincoln's insurance cost.

Lincoln Navigator

The Lincoln Navigator

Ford built this full-sized SUV on a truck chassis. The Navigator seats seven persons comfortably. The vehicle gets average overall ratings. Some of the Navigator's good points are its roomy cabin, good ride, comfortable seating and large capacity. The Navigator has retractable running boards. The rear view camera is a standard feature.

This is a truck-based vehicle, so the ride and handling are not as smooth as that of a vehicle built on an auto chassis. It has a 13 mpg overall gas mileage and average reliability. This car gets a recommended rating from Consumer Reports magazine, and will likely be a similar cost to insure as any luxury SUV on the market.


Lincoln MKS

The Lincoln MKS

The MKS is a full-sized four-door sedan based on the Ford Taurus. Its MSRP ranges from $42,870 to $49,860. It gets only average overall ratings.

It has an optional 4-wheel drive, moderate gas mileage (20 mpg overall), good rear seat room and a quality fit and finish. You can adjust the suspension to three modes, but doing so requires a complicated 5-step process.

This vehicle costs about $10,000 more than the Ford Taurus. According to Consumer Reports magazine, the MKS and the Taurus are comparable, and will likely be a similar cost to insure.


Lincoln MKX

The Lincoln MKX

This vehicle's base MSRP ranges from $39,575 to $41,525. The car rides nicely but handles poorly under stress. The cabin is plush and well constructed. Mileage is 18 mpg with regular gas. The engine is adequate (305 HP V-6), with a towing capacity up to 3,500 pounds.

When looking for insurance for your MKX, consider:

• Insurers look at the size of your engine to determine rates.  You can expect that your insurance rates will be similar to other luxury SUVs with V6 engines.

• Insurers look at the expense of repairs to determine rates. Luxury vehicles tend to be more expensive to fix after an accident, due to the customized and high-tech features.

• Insurers look at the purchase price of a vehicle to determine rates. As a general rule, you can expect a more expensive car to cost more to insure.

Edmunds.com calls the MKX a respectable choice for a luxury crossover.

Lincoln Car Insurance

Lincoln is a well-established luxury car brand in the U.S. Some of its vehicles are American classics. In general, Lincoln model ratings are mixed. They also have an unimpressive gas mileage. If you are planning to shop for a new Lincoln or any vehicle, make sure you protect yourself with the right car insurance.

Contact a member of the Trusted Choice network today for quotes and advice on getting your Lincoln insurance.


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