Mercury Auto Insurance Review

Where does Mercury Auto Insurance do business?

Mercury is an insurance carrier based in Los Angeles, CA. The company was founded in 1961 and offers auto insurance in 11 states in the USA.

If you're considering whether Mercury Auto Insurance is a good option for you, read on.

How does Mercury Auto Insurance compare to other auto insurance companies?

Pros & Cons of Mercury Auto Insurance

Pros	Cons
24/7 Phone availability Locally available agents Emergency roadside service Rental car coverage Ridesharing coverage Generous with policy discounts Offers multiple vehicle equipment discounts	No free policy cancellation Does not offer digital claims reporting No accident forgiveness No transport trailer coverage No travel expenses or trip interruption coverage

What types of auto insurance coverage does Mercury Auto Insurance offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Mercury Auto Insurance offers the following types of auto insurance coverage:

• Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
• Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
• Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
• Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
• Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
•  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
• Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
• Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Mercury Auto Insurance customers can also add the following riders or endorsements to their policies:

• Transportation Network Company or ride-sharing coverage: Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
• Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
• Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

Does Mercury Auto Insurance have roadside assistance?

Emergency Roadside Service available. Yes, Mercury offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Mercury Auto Insurance offer ridesharing insurance?

Ridesharing coverage available. : Yes, Mercury Auto Insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.

What benefits does Mercury Auto Insurance offer?

Mercury Auto Insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.
• Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What discounts does Mercury Auto Insurance offer?

When you ask for a quote with Mercury Auto Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to auto insurance.

• Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's a discount people often forget to ask for.
• Daytime Running Lights: This is a discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
• Internal Safety Features: Mercury Auto Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.
• Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for a discount.
• New Vehicle: If you buy a current year or previous year model, you will qualify for a juicy discount on your premium.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Mercury Auto Insurance.

How does Mercury calculate rates?

Auto insurance companies guard their risk-assessment algorithms as a trade secret, and Mercury is no exception. However, you can be confident that Mercury Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Mercury Auto Insurance use your credit score?

It is safe to assume that, when legal, auto insurance companies will use your credit score as a rating factor. There are two exceptions.

1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
2. There are also a handful of auto insurance companies that base their rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Mercury Auto Insurance quote

• Visit the Mercury website.
• Fill in the insurance quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.