What’s the primary thought that comes to your mind while buying a new car? It will be to buy affordable auto insurance. That’s where Mercury Insurance focuses, too - to offer excellent auto insurance and customer service at an affordable cost to a reasonable driver. Mercury Car Insurance company competes against some of the best car insurance companies by offering cheap insurance rates.
The company provides insurance policies in 11 states – California, Arizona, New York, Florida, New Jersey, Texas, Nevada, Georgia, Oklahoma, Illinois, and Virginia. ‘Mercury provides everything you need in an insurance business,’ says the company’s slogan. Mercury Insurance is a decent option for drivers orcustomers looking for cheap car insurance quotes.
Though available in these 11 states, Mercury Car Insurance doesn’t provide the same type of discounts or services in these states. The company plans to expand its availability and may become a strong competitor for other major insurers with its wide presence. So, what are the Mercury Car Insurance quotes? What are the discounts and features offered by the company? How are the Mercury Car Insurance reviews? Our research has all the answers!
| PROS | CONS |
|---|---|
| Offers coverage for rideshare services | Limited availability |
| Provide multiple discounts | Cannot file claims online |
| It has a high number of local agents in the states that it has coverage | You have to buy the policy through an agent |
| Suitable for drivers looking for mechanical breakdown insurance | Limited options to customize auto insurance policies |
| It offers an accessible mobile app and dozens of online resourceswhich tech-savvy customers may appreciate | No discounts are offered for defensive driving or airbags.Lack of gap insurance and coverages like accident forgiveness. |
These are some of the unique features offered by Mercury.
| Unique Features | What does it do |
|---|---|
| Rental car coverage | This coverage reimburses the expense of a rental car when your car gets involved in a covered accident. Mercury offers a variety of coverage limits. The lowest starts at $30 per day and the most at $100 per day up to 30 days. |
| Roadside assistance | It offers towing, battery charging, tire adjustments, and assistance with locked doorsto stranded drivers. With Mercury’s roadside assistance, customers can choose from coverage options ranging from $75 to $1,000 per occurrence. |
| Mercury mechanical protection | It offers coverage for new and used vehicles for major vehicle failures, such as gearbox issues. Itoffers coverage for up to seven years or 100,000 miles, whichever comes first.Mercury mechanical protection provides these additional features at no additional cost.
● Rental vehicle assistance ● Trip interruption coverage ● 24-hour roadside assistance ● Road hazard tire protection |
These are some typical coverages provided by the company.
Compared to other companies, customers can add only a few optional coverages to a regular,legally necessary policy with Mercury CarInsurance. Also, they offer the coverages based on the insured’s current health, which restricts the number of available add-ons. However, the Mercury mechanical protection endorsementis a feature thatother insurance companies typically don’t offer.Mercury Car Insurance does not offer some commonly available add-on coverages like accident forgiveness,gap insurance,new car replacement, better car replacement, or deductible modification.
Based on our research in all 11 states, we figured that the Mercury Car Insurance quotes are neither expensive nor cheap. Mercury Car Insurance quotes are affordable for those looking for minimum or full coverage insurance. For minimum coverage, you need to pay an average annual premium of $774. The average annual premium of full coverage insurance costs you around $1,628.
Auto insurance companies offer premiums based on a variety of criteria. You may need to pay extra or fewer than the average rates based on your claims history, driving record, and the coverage types you choose.
When it comes to teen drivers, the annual premium rate of Mercury is higher than other insurers and the national annual average rate. The national average annual rate is around $4,963.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <18 or 18-year-old | $7,468 |
| Type of Drivers | Average annual premium |
|---|---|
| Drivers with a speeding ticket | $2,164 |
| Drivers after an accident | $2,554 |
Besides the affordable rates, Mercury Insurance offers auto insurance discountsto assist drivers in saving money. Depending on your driving or vehicle features, a few discounts are easy to qualify for.
You get a discount while using the company’s mobile app MercuryGo. Customers who use this app are entitled to immediate participation discounts and may receive extra discounts when they renew their policies, depending on their driving behaviors. The discounts and availability differ by state.
RealDrive is a low-mileage insurance discount program from Mercury. You have to send a picture of the odometer to the company viaMercuryGo. It will let you save money on your insurance premium, and you can save more if the mileage is lower. Mercury auto insurance also offers drivers a discount of up to 5% off their premium when you sign up.
Our research found that the Mercury Car Insurance reviews are average or mixed. The insurance firm performs decently while we take the measure of customer complaints. Customers who expect excellent customer service from an insurance company may get disappointed by Mercury’s service. The customers have given negative reviews for delays to get their complaints resolved. The company gets more complaints about the auto insurance sector than the home insurance sector.
Mercury auto insurance may be one of the best options for those who require full coverage insurance, as the company offers affordable rates. Customers can further lower the premiums if they get the discounts. However, Mercury Car Insurance is only available in 11 states, which makes the availability very limited. Also, our research found that their online account administration abilities seem to be limited.
The major drawback of the insurer comes in the form of customer service. The delay in resolving the issues has urged many customers to give negative Mercury Car Insurance reviews. The main app from the company lets the customers pay the bills, access their digital ID cards, and contact roadside assistance. However, the app has very average reviews on Google Play and App Store.
AM Best has given Mercury a rating of ‘A’ for financial strength. It indicates that the firm is financially strong and can comfortably pay out claims. Always compare quotes from multiple insurers to obtain the best insurance deals. When it comes to auto insurance, price should not be the only factor. Customer satisfaction and complaint ratios are two factors thatdefine an insurance company’s total value proposition.
George Joseph launched Mercury General Corporation in 1961. Headquartered in Los Angeles, the company has around 4,500 employees and 8,000 independent agents in 11 states. It is a multi-line insurance company specializing in personal vehicles, homes, renters, and business insurance. The company also provides personal liability, mechanical breakdown protection, home systems protection, service line protection, identity management protection, and ride-hailing insurance.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average annual premium for minimum coverage comes to around $774. The average annual premium of full coverage insurance costs you around $1,628.
Yes. This coverage refunds the expense of a rental car when your car gets involved in an accident. The lowest rental car coverage starts at $30 per day and the highest at $100 per day for 30 days.
Yes. The insurance offers an affordable average annual premium for minimum and full coverage insurance policies. However, auto insurance is available only in 11 states.
It’s simple to add a new car or driver to your Mercury coverage. You can contact your agent via phone or theircustomer portal and update them on the additional features. The agent will take care of the new additions.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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