Mercury Auto Insurance. An in-depth review of policies, coverage, and customer satisfaction.

Mercury Auto Insurance: an In-Depth Review

Mercury General has over 50 years in business, $4 billion in assets, and is one of the fastest growing automobile insurers in the U.S. Further, it’s the top independent broker and agency writer of auto insurance in California. But is it right for you? Is it available where you live and can it offer you the best deal? Read our Mercury Auto Insurance review to find out.

Auto insurance coverage types

Mercury offers a full line up of auto insurance coverage types. These include:

Liability protection

If you are at fault in a covered loss, this protection pays for any bodily injuries and/or property damages caused to others. It will also cover a defense attorney for you if someone sues you.

Bodily injury limits range from $30,000 to $300,000.

Property damage limits range from $5,000 to $300,000.

Collision protection

Regardless of who is at fault in a covered loss, this protection covers damage to your vehicle.

Comprehensive coverage

If your vehicle incurs damage due to a covered peril (not a collision) this protection will cover it up to your limit, less a deductible. Covered perils include theft, falling objects, vandalism, and more.

Medical coverage

This protection covers the following for you and the people in your vehicle if you are in an accident, no matter who is at fault :

  • Reasonable medical expenses.
  • Funeral expenses.
  • Lost wages.

Medical coverage limits range from $500 to $5,000.

Uninsured and underinsured motorists protection

This coverage pays for injuries resulting from an accident caused by uninsured or underinsured drivers.

Coverage limits range from $30,000 to $300,000.

Rental car

If you can’t drive your car due to a covered loss, this protection helps to cover the cost of a rental car.

Roadside assistance

Roadside assistance is an optional add-on to your auto policy. It includes 24/7 access to a locksmith service, towing, emergency fuel and fluid delivery, a tire change service, and a battery jump-start service.

Ride-hailing coverage

Ride-hailing coverage is an add-on policy designed for drivers of ride-hailing companies like Uber and Lyft.

Keep in mind, some states limit or restrict certain coverages. You can speak with an agent to create a custom insurance policy based on the types of coverage you need. Or, if you prefer, you can use the online quote tool.

Discounts

Mercury offers many ways to save including:

  • Alumni association discount
  • Anti-theft feature discount
  • Autopay discount
  • E-signature discount
  • Good driver discount
  • Good student discount
  • Multi-car discount
  • Multi-policy discount
  • Occupational discount
  • Pay in full discount
  • Location discount

Note, the availability of discounts does vary by state and is subject to qualification requirements. It’s best to ask a local Mercury agent how you can lower your premium or use the online quote tool.

Customer support

What if you need support from the company? Mercury offers the following channels:

Online customer portal

Mercury’s online customer portal allows customers to:

  • Pay their bills
  • View auto policy information
  • View your bills
  • Print ID cards
  • Download ID cards to a smartphone
  • View claim history
  • View payment history
  • Receive billing notifications
  • Request policy changes
  • Contact your agent with one touch

The online account management is helpful if you prefer to self-serve.

Claims hotline

Need to file a claim? Call the claims hotline at (800) 503-3724.

Local agents

Mercury has agents across the country. You can find one near you on the website using the agent finder tool. Then, you can visit them in person or call them with any questions or concerns.

It can be helpful to have one point person that you communicate with and who knows your situation.

Operating Territory

Auto insurance coverage through Mercury is available in 11 states including AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, and VA.

Don’t live in any of these states? Check out the five top auto insurers of 2018. 

Ratings

How do Mercury Auto Insurance reviews stack up in third-party ratings?

It has the highest financial strength rating possible from the A.M. Best insurance rating organization (A+ Superior). Further, it a +33% net recommendation score on SuperMoney’s Mercury Review Page.

However, it scored a three out of five in customer satisfaction ratings from J.D. Power and Associates which leaves room for improvement.

Free online quote

Want to see what Mercury can offer you? Here’s how to get a free online quote.

1. Visit the website, enter your zip code, and click “Start Your Quote and Save.”

Mercury auto insurance review

2. Select the car picture.

Mercury auto insurance review

3. Provide information about you and your address.

Mercury auto insurance review

4. Enter your car’s VIN or the year, make, and model of the car.

Mercury auto insurance review

5. Answer questions about your car.

Mercury auto insurance review

6. Add another car if you want it included in the quote.

Mercury auto insurance review

7. Confirm who lives at your address.

Mercury auto insurance review

8. Provide detailed information about the drivers.

Mercury auto insurance review

9. Add any additional drivers you want to include in the quote.

Mercury auto insurance review

10. Choose when you want your policy to start and if you have any other policies with Mercury.

Mercury auto insurance review

11. Get your quote.

Mercury auto insurance review

The initial quote is for the bare minimum coverage. You can customize your coverage types, coverage limits, and deductibles and the premium will adjust. Then, buy the coverage right there or save the quote for later.

Learn how to choose the right car insurance company.

Is Mercury auto insurance right for you?

Here’s a quick review of Mercury auto insurance’s pros and cons:

WEIGH THE RISKS AND BENEFITS

Here is a list of the benefits and the drawbacks to consider.

Pros
  • Competitive rates.
  • Dedicated local agents.
  • Over 50 years in business.
  • Strong financial strength ratings.
  • Easy to get a free quote online.
Cons
  • Limited service area (only 11 states).
  • Mediocre ratings from past customers.

The company has a solid financial strength rating. It also has helpful tools, competitive rates, and a wide range of coverage offerings. However, the customer service ranks around the average which may impact your level of satisfaction.

If you live in an area the company serves, the online quote system makes it easy to find out what you can get. Then, you can compare it to other quotes to see if it is the best deal.

If Mercury auto insurance sounds like a good fit for you, click here to learn more.

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