- Network of 5,500 agents to provide a personal experience to buying auto insurance from the Mercury Insurance Group
- Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives
- Insurance premiums can fluctuate depending on a consumers' driver profile and their state of residence
Mercury Auto Insurance Premium Comparison
Here's a peek at sample rate quotes from Mercury Auto:
|Driver Profile||Mercury||21st Century||Allstate|
|Single Female, age 23||$1,070||$894||$1,546|
|Single Male, age 30||1,633||1,268||1,594|
|Married Couple, ages 30 - 49||2,845||1,593||2,341|
|Married Couple, ages 65+||2,036||1,004||1,538|
|Get a Mercury quote||Get a 21st Century quote||Get an Allstate quote|
Sample premiums from Mercury Insurance in New Jersey show that the company tends to be on the more expensive end of the fifty plus companies surveyed. In the state of California, however, Mercury Insurance ranked among the cheapest quintile or 20% of car insurers. Drivers considering Mercury should identify at least two other companies to establish a baseline of what an average quote for their profile would be. To see a list of cheap auto insurers servicing your neighborhood, enter your zip code below.
Find the Cheapest Auto Insurance Quotes in Your Area
In a comparison of Mercury's insurance rates in New Jersey to two national insurers, we find that Mercury's rates are generally higher. The widest discrepancy or excess premium versus its competitors is among the sample premiums for married couples. Middle-aged married couples getting a quote from Mercury can see quotes that are $1,252 or 44% higher than a similar profile at 21st Century.
Mercury Auto Insurance Policy & Coverage
Mercury Auto Insurance underwrites policies in the thirteen states: Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia. Their auto insurance coverage is standard and about average. Quotes can be obtained online, or through a network of agents that numbers 5,500 representatives.
The website has a few essential functions for policyholders, including the option to pay premiums online and print out identification cards. Policyholders can further choose to pay through mail, over the phone, or at Mercury payment centers. Unfortunately, there are only nine payment centers that allow in-person payments. These are located in California, Florida, and Texas.
Feedback from customers is rather mixed. Among the complaints made by Mercury auto insurance customers are overdue and delayed resolutions and payouts of claims. Customers also report that it is at times difficult getting responses and calls back from agents and other customer service representatives. Reviews also indicate that insureds have had some issues with Mercury's automatic payments systems deducting premiums after policy cancellations.
|AM Best Financial Rating (2013)||A+|
|Better Business Bureau Rating (2013)||N/A|
|NAIC Complaint Index (2012)||0.67 (Better than Average)|
Insurance Discounts at Mercury
While a number of discounts are available from Mercury including multi-policy and muli-cars, the website only provides estimate for good student discounts. Other discounts will have to be requested from Mercury agents.
|Discount Type||Discount Amount|
|Good Student Discount||10 - 15%|
How to File a Claim with Mercury
Telephone Number: (800) 503-3724
- Press 4 for Claims
- Press 1 for Glass / Windshield Damage only, or Press 2 for New and Existing Claims
Claims can be reported to a Mercury Auto Insurance agent 24 hours a day, and 7 days a week.
About Mercury Insurance
The Mercury Insurance Group is a publicly traded insurance company (NYSE: MCY) that offers auto, mechanical breakdown (extended warranty coverage), home, condo, renters, umbrella, commercial / business auto, and business insurance. It began selling auto insurance in 1962, and was rated last year by Forbes as one of America's Most Trustworthy Companies in 2012 (company was absent from the 2013 list). According to its website, the company is the third largest automobile insurer in the state of California, where most of its car insurance policies are underwritten.
Company website: www.mercuryinsurance.com