Cheap Lincoln LS Car Insurance in 2025 (Find Savings With These 10 Companies)

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

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.

#1 – AAA: Top Overall Pick

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.

#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.

#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.

#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?”

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:

1. Shop Around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
2. Take Advantage of Discounts: Many insurers offer discounts for factors such as safe driving records, bundling policies, or installing safety features.
3. Increase Deductibles: Opting for a higher deductible can lower your premiums, but make sure you can afford the out-of-pocket expenses.
4. 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.

Discounts to Save on Insuring Your Lincoln LS