Rewards your safe driving

Safe driving has rewards that go beyond the safety of you, your loved ones, and other drivers. It can also reward your wallet. The safer you drive, the higher your discount you can get with a driving behavior-based policy. You’ll even earn an instant discount just by signing up. And after four to six months of observing your driving habits, you can earn up to 40%b off your insurance.

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bDiscounts do not apply to all discount elements: actual savings, availability and program criteria vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies until a driving behavior discount can be calculated, which could be zero. Details and availability vary; program criteria differ in California and North Carolina.

Measure up—you're a better driver than you think

Your driving habits help determine how your discount is calculated with a driving behavior-based policy. We also have traditional, nontelematic auto policies available. Details and availability vary; program criteria differ in California and North Carolina.
  • A Lincoln Aviator is being driven through a desert highway during the day

    Miles driven

    Generally, 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.
  • A Lincoln Nautilus idle at a crosswalk.

    Idle time

    Driving in stop-and-go traffic can be riskier than in steady-flowing traffic.
  • The front end of a Lincoln vehicle showing an illuminated headlight.

    Nighttime driving

    Driving between midnight and 5 a.m. may increase your chances of having an accident.
A couple standing by a Lincoln Nautilus Reserve model shown with available features.

Spend less time behind the wheel, spend less on insurance

If you're an occasional driver, work from home, or have a short commute, we have a policy that might be right for you. Enjoy all the great coverage of a traditional policy with a premium that is based on the number of miles you drive. The lower your miles, the lower your rate. It's that simple.

NOTE: Not available in the following states: AK, HI, LA, NC, NY, and OK. Program criteria differ in CA, OH and OR.

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A man walking to get into his Lincoln Corsair® SUV.

Spend less with bundling

Many times, there’s the need for more than one type of policy to fit your lifestyle. We can help make it easy with customized bundle plans. In addition to a singular policy for how well or how far you drive, you also have the ability to combine multiple policies. For example, bundling your home and auto insurance can save you up to 20%.c

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cAverage annualized savings on Nationwide Insurance home and auto premiums, compared to stand-alone price of each policy, based on national data from May 2020. Actual savings will vary based on state, policy coverage selections, and rating factors.
Woman sitting next to a dog

Pet insuranced that protects your furry, feathery, and scaly friends

Our pets are just as much a part of the family as our human loved ones — we take their well-being just as seriously. So, whether your pet walks, slithers, or flies, we have a pet health insurance plan for them. Get coverage for everything from wellness checkups and vaccinations to common illnesses and emergencies.

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FAQs

What you need to know about pet insurance

A customer filing a claim on their cell phone.

Insurance claims

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

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aLincoln Motor Company Insure is a product presented by Ford Motor Insurance Agency (FMIA NPN 95889, CA license #0C02678), a Ford affiliate and licensed insurance agency. Ford Motor Insurance Agency’s principal place of business is in Dearborn, Michigan, with its domicile in Delaware. Lincoln Motor Company Insure is underwritten by Nationwide Insurance Company Of America (NICOA) in California, Nationwide General Company in New York, and in all other states Nationwide Mutual Insurance Company and affiliates. Home Office: Columbus, OH. See LincolnMotorCompanyInsure.com for a full list of affiliates. Ford Motor Company, Lincoln Motor Company, Ford Credit, and Lincoln Automotive Financial Services are not insurance companies or agents.
Subject to underwriting guidelines, review, and approval. Product and discount details and availability vary. Lincoln Motor Company Insure is not available in AK, HI, LA, MA or OK. NY and FL residents please call 1-833-797-LINC to speak to an agent about available products. 

dPet products underwritten by Nationwide Mutual Insurance Company and affiliates Columbus, OH. Nationwide pet insurance underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Insurance terms, definitions and explanations are intended for informational purposes only and do not replace or modify the individual insurance contracts, policies or declaration pages, which are controlling.

eDiscounts 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. Available on 2020 and newer model-year Lincoln vehicles that are compatible with the embedded modem.  Requires Lincoln Way App® and Lincoln Connect® service. Not available on Continental® model. The Lincoln Way App, compatible with select smartphone platforms, is available via download. Message and data rates may apply.

f
Variable premium is based upon the Cost Per Mile established for the coverages in force and the number of days and miles driven when the coverage is in force. Details and availability vary by state, policy original effective date and other factors. Mileage-based program not available in the following states: AK, HI, LA, NC, NY and OK. Safe Driving Behavior Discount could be zero and does not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Safe Driving Behavior Discount applies at the next policy renewal and remains while the vehicle is enrolled in the program. Safe Driving Behavior Discount not available in California.

Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings, availability, and program criteria vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies until a driving behavior discount can be calculated, which could be zero.