Mercury car insurance review September 2019 | finder.com

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Mercury car insurance review

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Your local Mercury agent is the key to customized, local support.

finder.com’s rating: 2.5 / 5.0

★★★★★

  • Get a quote if you want to work with a local agent.
  • Pick something else if you want to be able to file claims online.
  • Drivers who need an SR‌-22 can get coverage.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, Virginia
Roadside assistance Included free
Pay schedule 12 months
Claims methods phone
New car protection Yes
Accident forgiveness No

Pros

  • Highly rated
  • Multiple discounts
  • Bad driving history OK

Cons

  • Poor customer service
  • Potentially high rates
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount Yes
Usage-based discount No
Other discounts
Rideshare coverage Yes
SR-22 coverage
Temporary & short term coverage No

Mercury car insurance rates

CANY
18 year old male$1,680$5,612
18 year old female$1,470$5,612
25 year old male$874$4,089
25 year old female$894$4,089
35 year old male$768$4,418
35 year old female$802$4,418
45 year old male$772$4,735
45 year old female$794$4,735
56 year old male$830$4,040
56 year old female$874$4,040

Where is Mercury auto insurance available?

Mercury auto insurance is available in 11 states across the country. If you live in any of the following states, you may want to consider Mercury auto insurance coverage.

  • Arizona
  • California
  • Florida
  • Georgia
  • Illinois
  • Nevada
  • New Jersey
  • New York
  • Oklahoma
  • Texas
  • Virginia

What auto insurance coverage does Mercury offer?

  • Liability (Bodily injury). Pays for injuries to other people when the insured vehicle’s driver is legally at fault.
  • Liability (Property damage). Pays for damage to third party property caused by your vehicle.
  • Collision. This covers damages to your car caused by an automobile accident.
  • Comprehensive. Provides protection from incidents that are out of your control. While it doesn’t cover damage from collisions, you’ll be protected from things like theft, vandalism, severe weather, and so on.
  • Medical payments. If you or a passenger is injured in a car accident, this coverage will help cover medical bills — regardless of who’s at fault.
  • Personal injury protection. Helps pay for medical and rehabilitation expenses, work loss, funeral costs and even replacement services.
  • Uninsured or underinsured motorists. When the driver at fault for your accident doesn’t have insurance — or enough of it — to cover your medical bills and damages, this coverage kicks in.
  • SR-22. An SR-22 is often required after DUIs, license suspensions, multiple motor vehicle infractions, or other severe driving offenses. Mercury should be able to help you file for SR-22 insurance.

Discounts on Mercury car insurance

Mercury offers a number of discounts on its auto insurance policies that keep prices competitive and provide incentives for being a safe driver. Here are a few of the many available discounts:

  • Anti-theft devices. Receive better rates when your vehicle is equipped with anti-theft features.
  • Good driver discount. Get discounted rates when you maintain a clean driving record.
  • Good student discount. Students who maintain a “B” average or better can get better rates.
  • Multi-car discount. Receive discounted rates when you insure more than one vehicle under the same policy.
  • Multi-policy discount. Receive better rates when you have multiple types of insurance with Mercury.
  • Association discounts. Members of certain associations can get discounts on Mercury’s insurance products.
  • Paid in full. Receive a discount for paying your policy premiums in a single, lump-sum payment.
  • RealDrive. Receive a discount for signing up for the program and even better rates when you verify your mileage.

Pros and cons of Mercury auto insurance

Pros

  • Highly rated. A.M. Best rates Mercury an A. With more than $4 billion in written premiums, Mercury can protect you and your assets.
  • Multiple discounts. Get lower rates for a good driving record, good grades and anti-theft devices, among other categories.
  • Bad driving history OK. Although rates may be a bit higher, Mercury accepts riskier drivers that other insurance companies might not take on. If you’ve had a hard time getting insurance, it could be a good fit.
  • Personalized service. Mercury strives to provide personalized service through a network of over 8,000 independent agents.

Cons

  • Poor customer service. Customers often complain that independent agents lack follow-through when it comes to car accidents and even general account questions. This could be a bit problematic coming from a company that is best known for personalized service.
  • Potentially high rates. While cheaper than many other insurers, Mercury can be expensive — especially if you have a history of accidents.
  • Unclear website. At first glance, Mercury’s website is responsive and convenient, it doesn’t do a great job at presenting important information. Customers may have difficulty finding details on available policies, discounts, special programs, and more.
  • No online claims or applications. Unfortunately, Mercury doesn’t allow you to apply for coverage or even file a claim online. Although Mercury’s personalized approach to auto insurance is refreshing, it takes away from the convenience of an online platform.

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Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

Compare up to 4 providers

What do customers say about Mercury car insurance?

Mercury Insurance Group is not accredited on the official BBB website, but it does hold an “A+” rating and a composite score of 3.75 out of 5 possible stars. Despite its positive ratings, there are a number of complaints and negative reviews. Customers express frustration with billing issues, denied claims, payouts, and more.

When doing research on customer reviews, you should always keep in mind that they may be biased. Many people will only take the time to post a review or complaint when their experience is either very good or very bad. Most customers won’t bother to leave online reviews if service is as expected, which is why negative reviews often outweigh positive ones.

How to apply for Mercury car insurance

Unfortunately, you won’t be able to apply for coverage with Mercury Insurance online. Instead, you’ll need to get a quote online and purchase your policy through an agent or handle the entire process by calling in.
By phone. If you’d rather apply by phone, you can reach an agent at (800) 956-3728.

In person. Mercury’s claim to fame is personalized service through a network of independent agents. If you’d prefer to apply in person, you can use the agent locator tool on the website to find the nearest agent.

Online

  1. Visit the Mercury Insurance website, enter your zip code, then click “Get a quote”
  2. Enter your personal information including name, address, and so on. Click “Save and continue”.
  3. Enter your vehicle details or VIN, add vehicle then click “Save and continue”.
  4. Add driver details, then click “Save and continue”.
  5. Enter any additional details and previous insurance information, then click “Save and continue”.
  6. Review all details, and if you’re satisfied with your quote, click “Submit to agent”. An agent should reach out to finalize your quote.

What do I need to apply?

Regardless of how you choose to apply for coverage, you can speed up the process by having the following information on hand:

  • Name and date of birth
  • Social Security Number
  • Residential address
  • Vehicle information, including estimated annual mileage
  • Prior insurance
  • Claim and credit history
  • Education history and employment status

How to file an auto insurance claim with Mercury

In order to file an auto insurance claim with Mercury, you’ll need to contact an agent by phone to get started. You can file claims 24 hours a day, seven days a week by calling the claims hotline at (800) 503-3724.

How to contact Mercury Insurance

You can contact Mercury insurance by phone or in person. Visit the “Contact us” page on the Mercury Insurance website for more details on specific phone numbers and ways to contact your agent.

Bottom line

Mercury Insurance has something for everyone — even if you’ve had prior accidents. It’s vast network of employees and independent agents offer a personalized experience, but keep an eye out for spotty customer service.

As with any major financial decision, don’t forget to compare your options before choosing your coverage and provider.

Frequently asked questions about Mercury car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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2 Comments

  1. Default Gravatar
    Joshu
    April 2, 2018

    Where do I find info for the MATURE DRIVER DISCOUNT?

    • AvatarStaff
      Jeni
      April 2, 2018

      Hi Joshu,

      Thank you for getting in touch with finder.

      To take advantage of Mercury’s discounts, you should maintain a good driving record, use Mercury for more than one vehicle, install anti-theft devices and maintain good grades in school.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice. I suggest that you contact them directly regarding the Mature Driver Discount.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

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