Mercury Car Insurance Review

Mercury Car Insurance is a multi-line insurance firm based in Los Angeles that specializes in auto and house insurance. Mercury Insurance was founded in 1961 by seasoned insurance executive George Joseph. Arizonian Nevadas quickly expanded into additional ten states after leaving California. Floridians are Georgians are Illinoisans Texas Oklahoma, Virginia, New Jersey, and New York are all states in the U.S. This Mercury Car Insurance Review might help you in deciding of insurance company.

Mercury Insurance review for 2021

Mercury Car Insurance Review - Mercury Insurance Company Logo
  • Claims satisfaction (J.D. Power) — Poor. In the 2020 Claims Satisfaction Study, Mercury Insurance received a below-average score from J.D. Power & Associates
  • Customer satisfaction (J.D. Power) — Unfortunately, this is a negative thing. According to J.D. Power, Mercury’s 2021 customer satisfaction rating will be below average.
  • Financial strength — Superior. Mercury has strong financial health, as seen by their A.M. Best rating, and can be relied on to make timely insurance claim payments.
  • NAIC Rating — Superior to the norm. According to the National Association of Insurance Commissioners, Mercury received less complaints in 2020 than the industry as a whole.

Mercury car insurance coverage options

Auto insurance from Mercury includes the usual suspects including comprehensive and collision coverage, liability, medical expenses, and personal injury protection (PIP). Other types of insurance are discussed in more depth further down the page.

Rental car coverage

More and more automobile insurance policies include riders that pay for a rental car while yours is being repaired as a result of an accident covered by the policy. Coverage contains daily limitations of $30 to $100 with a maximum of 30 days.

Ride-hailing coverage

If you drive for an Uber or Lyft-affiliated firm, this policy provides you and your customers extra peace of mind. Because your personal vehicle insurance coverage does not cover business driving if you are a rideshare driver, buying rideshare insurance is a no-brainer.

Mercury insurance discounts and reward programs

Mercury often offers discounts, so it’s a good idea to verify whether you’re eligible before making a purchase. Keep in mind that the availability of these offers may differ by area.

Discounts based on your policy

  • Multi-policy. Auto and home coverage from Mercury insurance may be combined for a 15 percent discount.

Discounts based on the driver or vehicle

  • Multi-car. A multi-car discount is available if you have more than one vehicle insured..
  • Good driver. Your Mercury insurance policy may provide you a good driver discount if you have an accident-free driving record.
  • Good student. Student discounts are available to those with a high school or college GPA of at least 3.0.
  • Occupational. It’s likely that your place of work entitles you to a discount.
  • Autopay. It is possible that your rate may decrease if you make automatic payments.
  • E-signature. Mercury may give you a discount if you complete your application online.
  • Anti-theft feature. If your automobile contains anti-theft equipment or features, you’re eligible for a discount.

Additional discounts

  • RealDrive® program. Joining this program entitles you to a five percent discount on your first payment. Mercury uses your mileage statistics to figure out how much you’re charged.

Mercury car insurance mobile app

Mercury’s mobile app allows customers to manage their accounts and policies on the go (available for Apple and Android). Customers may use Mercury’s smartphone app, which is similar to that of many other insurance firms.

  • Access digital insurance ID cards
  • Pay bills
  • Summon roadside assistance
  • Get in contact with an agent or customer service

Is Mercury car insurance right for you?

For those who don’t need any additional coverage, a standard policy from Mercury Insurance will suffice. Mercury’s vehicle insurance discounts are quite competitive when compared to those offered by other insurance providers.

Nevertheless, is Mercury’s car insurance competitively-priced and cost-effective?
For this reason, when it comes time to renew your vehicle insurance, you should shop around.

You may also want to check out our Merchants Insurance Review.