Cheap Lincoln LS Car Insurance in 2024 (Find Savings With These 10 Companies)
Discover the leading providers of cheap Lincoln LS car insurance with AAA, State Farm, and USAA, offering competitive monthly rates of $32. AAA delivers superior roadside assistance, State Farm excels in personalized service, and USAA provides exclusive military savings. Protect your car with these top picks now.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
UPDATED: Oct 15, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Min. Coverage for Lincoln LS
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Pros & Cons
17,759 reviews
6,435 reviewsCompany Facts
Min. Coverage for Lincoln LS
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
Benefit from comprehensive coverage options specifically designed to meet the needs of your Lincoln LS, ensuring you receive the best protection available. For additional details, explore our comprehensive resource titled “What is comprehensive coverage?”
Our Top 10 Company Picks: Cheap Lincoln LS Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | A | Roadside Assistance | AAA |
 | #2 | $33 | B | Personalized Service | State Farm |
 | #3 | $34 | A++ | Military Savings | USAA |
 | #4 | $37 | A++ | Industry Experience | Travelers |
 | #5 | $39 | A+ | Roadside Assistance | Progressive |
 | #6 | $46 | A+ | Dividend Payments | Amica |
 | #7 | $53 | A | Safe Drivers | Farmers |
 | #8 | $54 | A | High-Risk Coverage | The General |
 | #9 | $61 | A+ | Safe-Driving Discounts | Allstate |
 | #10 | $68 | A | Coverage Options | Liberty Mutual |
Explore how these top insurers can protect your Lincoln LS with comprehensive coverage and excellent customer service.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code above into our free comparison tool.
- Explore Lincoln LS car insurance with rates around $32/month
- Get tailored coverage for comprehensive protection
- Access exceptional roadside assistance and benefits
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#1 – AAA: Top Overall Pick
Pros
Pros- Roadside Assistance: AAA insurance review & ratings parade the company’s extensive roadside assistance coverage, which can be particularly beneficial for older vehicles like the Lincoln LS.
- Nationwide Network: With a vast network of service providers, AAA ensures that help is available almost anywhere, offering peace of mind for drivers.
- Member Benefits: AAA members enjoy additional perks beyond insurance, such as travel discounts and exclusive offers, enhancing overall value.
Cons
- Membership Requirements: Access to AAA’s insurance often requires membership, which adds an extra cost for those solely seeking insurance without other AAA services.
- Limited Coverage Options: While AAA’s roadside assistance is robust, their insurance plans might not offer the same level of customization or variety in coverage options compared to larger insurers.
#2 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm provides personalized customer service, with agents who can tailor policies to specific needs, including considerations for older vehicles like the Lincoln LS.
- Discount Opportunities: State Farm insurance review & ratings flaunt the company’s various discounts that could benefit Lincoln LS owners, such as multi-policy discounts or safe driving incentives.
- Wide Network: With a large network of agents and offices nationwide, State Farm provides accessibility and convenience for policyholders.
Cons
- Higher Premiums: State Farm’s personalized service often comes with slightly higher premiums compared to some competitors, which might be a consideration for budget-conscious consumers.
- Claims Process: Some customers have noted that the claims process with State Farm can be bureaucratic and less streamlined compared to smaller, more agile insurers.
#3 – USAA: Best for Military Focus
Pros
- Military Focus: USAA offers specialized benefits for military members, including discounts and tailored services that cater specifically to military needs.
- Customer Satisfaction: USAA consistently receives high marks for customer service and satisfaction, ensuring that policyholders receive top-notch support.
- Financial Stability: USAA insurance review & ratings demonstrate the company’s top-notch financial strength rating, USAA provides assurance that claims related to an older vehicle will be handled reliably.
Cons
- Membership Eligibility: USAA’s eligibility limited to military members and their families, which excludes a significant portion of the general population.
- Limited Branch Access: While USAA offers robust online and phone support, those who prefer face-to-face interactions may find their limited branch network inconvenient.
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#4 – Travelers: Best for Industry Experience
Pros
- Industry Experience: Travelers insurance review & ratings feature the company’s decades of experience in the insurance industry, providing a deep understanding of the unique needs for vehicles like the Lincoln LS.
- Customizable Policies: Travelers provides a range of coverage options that can be customized to suit individual needs, allowing Lincoln LS owners to select appropriate coverage levels and options.
- Financial Stability: With strong financial ratings, Travelers ensures stability in handling claims and providing long-term coverage security.
Cons
- Premiums: Travelers’ extensive coverage options and industry expertise sometimes come at a slightly higher premium cost, which may not be the most competitive for budget-focused consumers.
- Customer Service Challenges: While generally well-regarded, some customers have reported occasional challenges with Travelers’ customer service responsiveness.
#5 – Progressive: Best for Roadside Assistance
Pros
- Roadside Assistance: Progressive offers robust roadside assistance coverage, which is advantageous for owners of older vehicles like the Lincoln LS.
- Innovative Tools: Progressive insurance review & ratings highlight the company’s for its innovative tools and online resources, making it easy for policyholders to manage their insurance and claims digitally.
- Discounts: Progressive provides various discounts, including for safe driving and multi-policy holders, potentially lowering insurance costs for Lincoln LS owners.
Cons
- Claims Handling: Some customers have experienced delays or complications in the claims handling process with Progressive, impacting overall satisfaction.
- Premiums: While competitive, Progressive’s premiums can be slightly higher in some cases, especially for older vehicles like the Lincoln LS where insurers may perceive higher risk.
#6 – Amica: Best for Dividend Payments
Pros
- Dividend Payments: Amica offers dividend payments to policyholders when the company performs well financially, providing potential savings over time.
- Customer Service: Amica consistently receives high ratings for customer service, ensuring prompt and helpful support for Lincoln LS owners.
- Customizable Policies: Amica car insurance discounts present the company’s flexible policy options that can be tailored to meet the specific needs of Lincoln LS owners, offering comprehensive coverage choices and multiple discounts.
Cons
- Availability: Amica’s availability varies by region, limiting access for some potential customers.
- Policy Options: While comprehensive, Amica’s policy options may not offer as much customization or specialty coverage for older vehicles compared to larger insurers.
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#7 – Farmers: Best for Safe Drivers Discounts
Pros
- Safe Drivers Discounts: Farmers insurance review & ratings exhibit the company’s various discounts for safe driving habits, benefiting Lincoln LS owners looking to reduce insurance costs.
- Claims Handling: Farmers is known for its efficient claims handling process, ensuring that Lincoln LS owners can get back on the road quickly after an incident.
- Coverage Options: Farmers provides a range of coverage options that can be tailored to suit individual needs, including comprehensive and collision coverage.
Cons
- Cost: Farmers’ premiums can be higher compared to some competitors, which may be a consideration for budget-conscious Lincoln LS owners.
- Coverage Limitations: While extensive, Farmers’ coverage options may not be as customizable or specialized for older vehicles like the Lincoln LS compared to other insurers.
#8 – The General: Best for High-Risk Coverage
Pros
- High-Risk Coverage: The General specializes in providing coverage for high-risk drivers or vehicles, offering options for Lincoln LS owners who may have difficulty obtaining insurance elsewhere.
- Accessibility: The General car insurance review & ratings display the company’s accessible online tools and processes, making it easier for Lincoln LS owners to manage their insurance needs.
- Quick Quotes: The General is known for providing quick insurance quotes, which can be beneficial for Lincoln LS owners looking for immediate coverage options.
Cons
- Cost: The General’s premiums can be significantly higher for some Lincoln LS owners, reflecting the higher risk associated with insuring older vehicles or drivers.
- Customer Service: Some customers have reported challenges with customer service responsiveness and clarity of communication.
#9 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Allstate offers various discounts for safe driving behaviors, potentially reducing insurance costs for Lincoln LS owners.
- Coverage Options: Allstate provides a wide range of coverage options, allowing Lincoln LS owners to customize their policies to suit their individual needs.
- Financial Stability: Allstate insurance review & ratings emphasize the company’s strong financial stability ensures reliability in handling claims related to older vehicles like the Lincoln LS.
Cons
- Premiums: Allstate’s premiums can be higher compared to some competitors, particularly for older vehicles like the Lincoln LS.
- Claims Satisfaction: While generally satisfactory, some customers have reported issues with claims processing times and communication.
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#10 – Liberty Mutual: Best for Coverage Options
Pros
- Coverage Options: Liberty Mutual review & ratings disclose the company’s variety of coverage options that can be tailored to the specific needs of Lincoln LS owners, including comprehensive and collision coverage.
- Discounts: Liberty Mutual provides various discounts, such as for multi-policy holders or safe drivers, which can help reduce insurance costs for Lincoln LS owners.
- Customer Service: Liberty Mutual often receives positive feedback for customer service, ensuring that policyholders receive prompt and effective support.
Cons
- Premiums: While competitive, Liberty Mutual’s premiums for older vehicles like the Lincoln LS may not always be the lowest available, depending on individual circumstances and location.
- Claims Handling: Some customers have experienced delays or challenges in the claims handling process with Liberty Mutual, affecting overall satisfaction.
Insurance rates for the Lincoln LS vary among different providers. Insurance companies consider various factors specific to the vehicle when determining rates. These factors include the vehicle’s historical safety record, crash test ratings, theft rates, and average repair costs. Additionally, the MSRP and replacement value of the Lincoln LS can influence insurance rates as higher-priced vehicles may require costlier repairs or replacement.
Another factor that can affect insurance rates for the Lincoln LS is the driver’s personal information. Insurance companies often take into account the driver’s age, gender, driving history, and location when determining rates. Younger drivers or those with a history of accidents or traffic violations may face higher insurance premiums.
Furthermore, the level of coverage chosen by the policyholder can also impact insurance rates for the Lincoln LS. Comprehensive coverage, which includes protection against theft, vandalism, and natural disasters, typically results in higher premiums compared to basic liability coverage.
Additionally, the deductible amount selected by the policyholder can affect the cost of insurance, with higher deductibles often leading to lower premiums. For a comprehensive analysis, refer to our detailed guide titled “What is the difference between a deductible and a premium in car insurance?”
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Tips for Affordable Lincoln LS Car Insurance
While insurance costs for the Lincoln LS may seem challenging to manage, there are several practical tips you can follow to find affordable coverage:
- Shop Around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Take Advantage of Discounts: Many insurers offer discounts for factors such as safe driving records, bundling policies, or installing safety features.
- Increase Deductibles: Opting for a higher deductible can lower your premiums, but make sure you can afford the out-of-pocket expenses.
- Maintain a Good Credit Score: A good credit score can help you secure lower insurance rates, so manage your credit responsibly. For an in-depth examination, consult our thorough guide entitled “Understanding Credit: A Score that Impacts Everything from Your Cell Phone Bill to Car Insurance.”
By applying these strategies, you can potentially save on your Lincoln LS insurance while ensuring you have the coverage you need.
Factors Influencing Lincoln LS Car Insurance Rates
Your Lincoln LS car insurance rates are influenced by several key factors. Your driving record is a significant determinant, reflecting your history of accidents, traffic violations, and claims. A clean record typically results in lower premiums, while a history of incidents can lead to higher rates.
Safe driving practices and adherence to traffic laws are essential to avoid potential premium hikes. Additionally, the age and location of your Lincoln LS play crucial roles. Newer vehicles generally incur higher premiums due to their greater value and potential repair costs.
Moreover, the geographic location where you primarily drive and park your vehicle affects insurance rates, with areas prone to higher crime rates or greater accident risks often resulting in elevated premiums. For a thorough exploration, delve into our extensive guide titled “Car Accidents: What to do in Worst Case Scenarios.”
Navigating Lincoln LS Car Insurance Choices
When shopping for Lincoln LS car insurance, it’s crucial to compare quotes from multiple providers to find the most competitive rate and coverage options, as insurers assess risks differently.
Your choice of deductibles and coverage—like comprehensive or collision—significantly influences costs, with higher deductibles potentially lowering premiums but increasing out-of-pocket expenses in a claim. For a detailed breakdown, consult our comprehensive guide named “What is Out-of-pocket maximum/limit?”
While comprehensive coverage isn’t mandatory, it can protect your Lincoln LS from theft, vandalism, and natural disasters, offering valuable peace of mind depending on your vehicle’s value and where you live.
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Essential Car Insurance Coverage for the Lincoln LS
When insuring your Lincoln LS, understanding the types of coverage available is crucial to ensure you have adequate protection. Here’s a breakdown of the essential car insurance options you should consider:
- Liability Insurance: Covers damages you cause to others in an accident, including medical expenses and property damage.
- Collision Insurance: Covers repairs to your Lincoln LS in case of a collision, ensuring your vehicle is restored regardless of fault.
- Comprehensive Insurance: Protects against non-collision damages like theft, vandalism, fire, or natural disasters, offering comprehensive coverage. For an exhaustive analysis, check out our complete guide entitled “How to Document Damage for Car Insurance Claims.”
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers in accidents, providing crucial financial support.
Choosing the right combination of these insurance types ensures your Lincoln LS is well-protected on the road, offering peace of mind in various scenarios.
Reviewing your insurance needs regularly can help you adjust coverage to suit changing circumstances and ensure you’re adequately prepared for any situation.
Discounts to Save on Insuring Your Lincoln LS
Discover a range of money-saving discounts when insuring your Lincoln LS. These include discounts for safe driving records, where insurance providers reward clean histories with lower premiums.
You can also save by bundling policies with multi-policy discounts, ensuring your Lincoln LS is equipped with safety features like anti-lock brakes and airbags, which often qualify for additional savings. For a comprehensive review, see our in-depth guide titled “Multi Vehicle Car Insurance Discount.”
Furthermore, students with excellent academic performance may benefit from discounted insurance rates, making it advantageous to explore all available options to optimize your coverage and savings.
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Case Studies: Lincoln LS Car Insurance
Explore insurance options for your Lincoln LS with Geico, State Farm, and Allstate. These case studies highlight effective ways to protect your luxury vehicle:
- Case Study #1 – Comprehensive Coverage: Emily chooses Geico for her Lincoln LS, benefiting from tailored policies that safeguard its advanced features and high value against various risks.
- Case Study #2 – Customer Loyalty Benefits: Mark insures his Lincoln LS with State Farm, enjoying loyalty discounts and personalized service that reflect his commitment to vehicle protection and customer satisfaction. For an in-depth investigation, peruse our comprehensive guide named “Loyalty Car Insurance Discount.”
- Case Study #3 – Multi-Policy Savings: Lisa bundles her Lincoln LS insurance with Allstate, maximizing savings through multi-policy discounts while ensuring comprehensive coverage for her luxury vehicle.
These case studies demonstrate how Geico, State Farm, and Allstate offer tailored insurance solutions for the Lincoln LS, catering to specific coverage needs and providing cost-effective options for luxury vehicle owners.
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Whether you prioritize comprehensive protection, loyalty benefits, or multi-policy savings, these insurers can help you secure the right coverage to safeguard your Lincoln LS on the road.
Conclusion: Choosing Affordable Insurance for Your Lincoln LS
Finding affordable car insurance for your Lincoln LS involves exploring options from top insurers like AAA, State Farm, USAA, and others known for competitive rates and tailored coverage.
Factors such as your driving record, location, and the specific features of your vehicle can influence insurance costs significantly
By comparing quotes and considering the benefits each insurer offers, you can secure the right protection that meets your needs while potentially saving on premiums. For a thorough examination, take a look at our detailed guide entitled “Compare Car Insurance Quotes.”
Remember to review your coverage periodically to ensure it continues to align with your driving habits and vehicle requirements.
Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.
Frequently Asked Questions
What is the cheapest full coverage car insurance for a Lincoln LS in Georgia?
In Georgia, State Farm and USAA offer competitive rates for full coverage on the Lincoln LS, considering factors such as the vehicle’s safety features and your driving history.
Which insurance company provides the most affordable rates for insuring a Lincoln LS in California with a speeding ticket?
Despite a speeding ticket, State Farm and AAA may still offer competitive rates for insuring a Lincoln LS in California, taking into account additional factors like your overall driving record.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What type of vehicle similar to a Lincoln LS has the cheapest insurance rates?
Vehicles within the luxury sedan category, akin to the Lincoln LS, such as the Cadillac CTS or BMW 5 Series, may share comparable insurance rates due to similar safety features and repair costs. However, AAA, State Farm, and USAA may offer special discounts for such vehicles, potentially lowering the insurance rates.
For a comprehensive assessment, read through our detailed guide titled “Safety Features Car Insurance Discount.”
What are the cheapest full coverage auto insurance choices available for a Lincoln LS owner in Texas?
For Texas residents, insurers like State Farm and USAA provide cost-effective full coverage options specifically designed for luxury vehicles like the Lincoln LS, offering robust protection and peace of mind.
Which car insurance group offers the most affordable rates for a Lincoln LS owner in New York?
While the Lincoln LS typically falls into higher insurance groups due to its luxury status, providers such as USAA and State Farm may extend discounts that mitigate these higher costs, particularly for drivers with exemplary records.
Who is the cheapest insurance company in Georgia for insuring a Lincoln LS?
USAA and State Farm are often recognized for their competitive pricing and comprehensive coverage options when insuring a Lincoln LS in Georgia, catering to various driver needs and preferences.
For a thorough analysis, consult our comprehensive guide named “Cheapest Car Insurance Companies.”
What is the most cost-effective car insurance for a minor driving a Lincoln LS?
Insurers like State Farm and AAA may offer advantageous rates for minors driving a Lincoln LS, provided the young driver maintains a clean driving record and avails of applicable discounts.
What is the best car insurance company for insuring a Lincoln LS in Texas?
For Texas drivers of the Lincoln LS, providers such as USAA and State Farm are renowned for their customer-focused approach and competitive pricing, ensuring robust protection for luxury vehicle owners.
What is the cheapest full coverage car insurance available for a Lincoln LS in California?
Companies like AAA and State Farm frequently present economical full coverage alternatives tailored to the unique requirements of a Lincoln LS in California, prioritizing both affordability and extensive coverage.
For an extensive exploration, refer to our detailed guide entitled “Full Coverage Car Insurance: A Complete Guide.”
Which car insurance group offers the most budget-friendly rates for a Lincoln LS in California?
Despite the Lincoln LS’s placement in higher insurance categories due to its luxury status, insurers such as State Farm and AAA frequently provide cost-saving opportunities, particularly for drivers with strong driving histories and adherence to safety protocols.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
