Lincoln Motor Company Insure | Behavior Based Insurance | Lincoln.com

LINCOLN MOTOR COMPANY INSURE*

Turn every journey into an opportunity to save.

 

With Lincoln Motor Company Insure, you can earn discounts that could potentially reduce your insurance premium, starting with your 2020 model-year Lincoln.** Utilizing the Lincoln Way™ App†, your Lincoln vehicle can gather data related to your driving performance in order to calculate a maximum insurance discount of 40%.
Lincoln Aviator Black Label model shown. Available at participating Lincoln Black Label Dealers only.
    Lincoln Motor Company Insure is underwritten by Nationwide® and created around your lifestyle to deliver the responsive, intelligent insurance you deserve as the driver of a premium luxury vehicle.

    INSURANCE THAT FITS YOU

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      EASILY EARN SAVINGS

      Lincoln Motor Company Insure automatically offers you a 10% discount with a potential long-term maximum savings of 40% at renewal, based on your driving performance†† . You can potentially enjoy additional savings for bundling other vehicles and your home into your Lincoln Motor Company Insure portfolio.
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      CONNECT TO DATA COLLECTION

      Unlike most other user-based insurance programs, Lincoln Motor Company Insure utilizes Lincoln Connect™‡ technology instead of a plug-in device and conducts a one-time evaluation over a four-to-six-month period. If you’re not satisfied with your initial evaluation, you can request a do-over by calling 1-833-797-LINC .
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      GET PERSONALIZED FEEDBACK

      Your experience is made seamless through the Lincoln Way™ App, where you can get a quote and bind your insurance policy. After setup, the Nationwide SmartRide® portal provides real-time, personalized feedback on the discount you’re on trend to earn and how you can continue to help improve your driving performance.
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      RECEIVE QUALITY SERVICE

      You can select repairs from the Lincoln Certified Collision Network, which provides access to trusted Lincoln parts and expertise.‡‡ With a repair program backed by Lincoln Motor Company, and insurance powered by Nationwide, you can be confident you’ll get luxury service. 
     

    GET STARTED

    1. Download the Lincoln Way App to get a quote. Verify coverage is offered in your state, load your 2020 model-year Lincoln vehicle into your garage, activate Lincoln Connect and locate the Lincoln Motor Company Insure tile to get started.

     

    2. Purchase your policy and immediately receive a 10% discount. You’ll then begin data sharing to calculate your final driving behavior discount.  

     

    3. Let Lincoln Connect gather your driving data and track your progress in the Nationwide SmartRide portal. The portal will also provide feedback on your performance.

     

    4. Receive your final discount for your next policy. At the end of the four-to-six-month data collection period, you’ll be notified of your earned discount, with a maximum of 40%.

    MEASURE UP—YOU’RE A BETTER DRIVER THAN YOU THINK

    Your discount will be calculated based on certain driving trends. Stay aware of the driving patterns that are measured, shown below, can help you maximize your discount.
    • A Lincoln Aviator is being driven through a desert highway during the day

      MILES DRIVEN

       

      Statistics show that, on average, the more miles driven, the higher the chances of an accident.
    • A man is walking in front of a white Lincoln vehicle that is stopped to allow him to cross

      HARD BRAKING AND ACCELERATION

      Safe drivers rarely stop suddenly or abruptly slow down in excess of 7.7 mph per second.
    • A Lincoln M K Z is stopped at a light in heavy traffic as the red brake lights and traffic light illuminate brightly in the night

      IDLE TIME

       

      Driving in stop-and-go traffic is riskier than in steady-flowing traffic.
    • The front end of a Lincoln vehicle shows illuminated headlights and a turn signal that shines bright in the night

      NIGHTTIME DRIVING

       

      Driving between midnight and 5 a.m. increases your chances of having an accident.

    NEED HELP?

    You can reach a Lincoln Motor Company Insure representative at 1-833-797-LINC  8 a.m. - 9 p.m EST M-F or visit us on the Lincoln Way App.

    ELIGIBILITY

    Lincoln Motor Company Insure is now available in the highlighted states shown on the map below for eligible 2020 model-year Lincoln vehicles.**
    FAQs
    A woman is sitting and discussing business with a service representative in a beautifully appointed meeting room inside a Lincoln Dealership

     

    INSURANCE CLAIMS

    You can submit an insurance claim with Nationwide through the following link or by calling 1-800-421-3535 .

    SUBMIT A CLAIM

    *American Road Services Company LLC is the licensed insurance agency supporting Ford and Lincoln Insurance programs. Ford Motor Company and Ford Motor Credit Company LLC are not insurance companies or agents. Lincoln Motor Company Insure is underwritten by Nationwide Mutual Insurance Company and affiliates. Home Office: Columbus, OH. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.

     

    **Available on all 2020 model-year Lincoln vehicles which are compatible with the embedded modem. Requires Lincoln Way App and Lincoln Connect Service. Not available on Continental.

     

    †The Lincoln Way App, compatible with select smartphone platforms, is available via download. Message and data rates may apply.

     

    ††Availability varies; program criteria differ in California. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies during data collection; the final discount is calculated according to driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based on actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.

     

    ‡Lincoln Connect, (standard on select vehicles), the Lincoln Way App, and Lincoln Connect Service are required for remote features (see Lincoln Way Terms for details). Connected Service is now complimentary for remote features, excluding Wi-Fi hotspot. Connected service and features depend on compatible AT&T network availability. Evolving technology/cellular networks/vehicle capability may limit functionality and prevent operation of connected features.

     

    ‡‡Original equipment parts endorsement is optional. Terms, conditions, and limitations apply

     

    Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and SmartRide are service marks of Nationwide Mutual Insurance Company.