Mercury provides car and home insurance as well as business owners’ and renters’ coverage, offering policyholders ways to save money by bundling their policies together or installing anti-theft devices; maintaining a good grade point average; or driving less miles.
Reviews indicate that customers often receive quick and courteous customer service from local agents; however, rates remain high, while satisfaction levels could be improved further.
Coverage Types
Mercury provides auto, homeowners and renters insurance in certain states as well as business owner’s, commercial multi-peril, umbrella and liability policies.
What you pay for Mercury car insurance will depend on several factors, including your vehicle, driving history and age. Drivers with no previous violations tend to enjoy lower premiums while younger drivers may pay more initially; their rates typically decrease with experience on the road.
Mercury Insurance Company offers an assortment of home insurance add-ons that are unique to them, such as green home coverage and hidden water leak coverage. Furthermore, Mercury provides service line protection policies which cover repairs or replacement of underground services such as gas and water lines on your property.
Mercury may provide viable insurance options in states where it operates; however, some customers may be dissatisfied with its limited home insurance offerings and customer service. Mercury scored below average in both categories – cost and customer service respectively; customers reported poor communication and delays in claims processing as concerns with this provider.
Coverage Limits
Mercury provides comprehensive auto, home, and umbrella policies with both standard coverage as well as optional add-ons that may significantly impact policy costs. When selecting these add-ons it is essential that they suit both your specific needs and budget.
Mercury provides mechanical protection for your vehicle that covers repair costs in case it breaks down, liability insurance to cover guests who are injured on your premises, identity theft protection and more – but no hurricane or flood coverage as these are separate policies.
Mercury also offers additional discounts and coverage options to customers in its service areas, such as green home coverage – providing funds for eco-friendly replacements of damaged roofs and siding, as well as refrigerated food coverage which reimburses costs associated with replacing perishable items that have been lost due to natural disaster.
Mercury takes into account more than just your vehicle type and driving history when setting your rates. Drivers under 25 typically pay higher premiums as they’re more likely to become involved in accidents; seniors may see increased rates due to slower reflexes and other health concerns.
Adding Additional Drivers
One of the key aspects of car insurance is keeping your policy current with any changes in driver information. It is critical to add new insured drivers as soon as they become insured drivers and remove those no longer driving your vehicle to avoid issues with claims, potential coverage gaps and additional fees. It is also a good idea to review your policy regularly in order to make sure all coverage options remain active and correct.
Addition of an additional driver will likely increase your rate as they pose greater risks of accidents or losses; however, you could possibly offset this additional cost by bundling home and auto policies with Mercury or taking advantage of available discounts.
Younger drivers typically pay more for car insurance, since they have limited driving experience and are more prone to accidents than mature drivers. Rates can be significantly decreased for these young drivers by adding them onto an existing policy of their parents’ or adding anti-theft devices or other safety technology to their own cars – this could potentially save considerable money!
Roadside Assistance
Mercury Insurance policies offer roadside assistance services like towing, locksmith service and battery jumpstarts – plus they have a mobile app that makes payments, download digital ID cards and access policy documents easily. Plus they also have a usage-based app to track driving habits so you can earn discounts at renewal!
Mercury Auto Insurers ranks among the 16 largest auto insurers and holds an A+ financial strength rating from AM Best, offering car coverage in Arizona, California, Florida, Georgia, Illinois, New Jersey, Nevada, Oklahoma Texas Virginia as well as home, renters umbrella and business auto multi-peril mechanical protection protection policies.
NerdWallet’s car insurance experts carefully research ratings and reviews to bring you a selection of top-rated providers. When making these assessments, we consider factors like policy cost, customer service levels, buying processes and claims handling to find you the most appropriate policy to fit both your budget and lifestyle needs. We then compare them against similar options so you can find your perfect policy!
