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Home / Insurance / Review of Mercury Insurance 2020 | InsuranceBlogByChris

Review of Mercury Insurance 2020 | InsuranceBlogByChris

It can be quite overwhelming to search for cheap car insurance rates and then wade through several car insurance companies and car insurance companies.

There are different types of insurance options to compare and to ensure that the car insurance company you choose has strong financial strength. In other words, it can be quite nightmarish if you do not know much about how car insurance works.

That's where we come in. We break down the mystery behind insurance fees and make sure you are fully equipped to find the best car insurance company that fits your budget. Today we will take a deep dive into the Mercury Insurance Group.

Mercury Insurance, based in Los Angeles, combines some of the best and worst things with insurance companies.

Unfortunately, there are some horror stories … BUT I have also heard good reviews from insurance customers and have personal experience of them as a very competent insurance company.

Do you want a word with sincere advice? No matter what you do, do not base your insurance decision on the reviews you read on other sites from dissatisfied and dissatisfied former Mercury Insurance policyholders.

About Mercury Insurance

  Mercury Insurance Logo

I & # 39; I will give you the good, the bad and the ugly of Mercury Insurance, a subsidiary of Mercury General Corporation, so you know the real deal.

It's never easy to investigate a company for there are usually a lot of conflicting stories.

Mercury insurance is mainly known for its car insurance and home insurance – but that's not all.

Mercury Insurance Products

  1. Car insurance
    • which includes supplements such as mechanical protection is also called mechanical demolition protection and company car insurance)
  2. Homeowners Insurance
    • which includes apartment insurance and tenant insurance) which also provides supplements such as building material discounts and additional .
  3. Umbrella insurance
  4. Corporate insurance

Options for coverage of mercury

  • Liability Protection that only covers bodily injuries and property damage from the other driver
  • Collision coverage
  • Comprehensive coverage [19659021dPIPPersonalcoverage90] Both uninsured motorists and insured car insurance
  • Rental car
  • Roadside assistance
  • Travel insurance


  • A nti-theft devices
  • Good drivers
  • Good student discount
  • Multi-car discount
  • Bundling or multi-policy rebate
  • Annual mileage rebate


Mercury Insurance is a relatively new company. They have been around for about 60 years, which is a newcomer in the insurance world.


NOTE: Their products are not available to everyone in the United States – they are only available in these 11 states:

  1. Arizona
  2. Nevada
  3. Oklahoma
  4. Virginia
  5. Illinois
  6. New Jersey
  7. Georgia
  8. Texas
  9. Florida
  10. California
  11. New York

So you need to check if you live in a area they cover.

Mercury Insurance set out to be a cheaper alternative to the big insurance companies – which means that if you are looking for more affordable rates, they are a company you should consider.

This is a very successful insurance company that values ​​its customers. They have over $ 4 billion in assets and are proud to run a tight ship when it comes to signing and honoring claims.

Not to mention the fact that AM Best, one of the great guns in the rating industry, gives them a brilliant review of "A +".

Unfortunately, JD Power gives their customer satisfaction rating 3 out of 5 stars …

… but remember that people who have an insurance company are more likely to share their negative experiences rather than their positive ones. Experiences

Mercury Auto Insurance

Mercury Insurance has many positive effects and I'm glad I can say that my personal experience of them was amazing.

Here are some highlights:

Mercury Insurance covers teenage drivers

19659036] Like many insurance companies, Mercury Insurance loves families; It's their niche.

Unlike other insurance companies, they do not try to make money by raising interest rates as soon as your son or daughter gets their license.

Mercury is my "go-to" when a customer calls. looking for a reasonable quote and have a child of driving age.

IF this is you, you may want to give Mercury Insurance a shot.

As one aside, my mom and dad had Mercury Insurance for several years. They are the company that insured them when I first started driving.

I even remember going down to the local agent's office and adding their insurance, "back in the day".

Mercury Insurance uses local agents

Mercury Insurance continues to use local independent agents as its method of managing sales and customer service.

Even if you call directly for a quote, you may be handed over to a local agent when the insurance is in place. In my opinion, this is fantastic.

The local insurance agent is usually knowledgeable and will be able to give you real advice if things get sticky during an insurance claim, or if you have coverage issues.

As you probably already know, I love local independent agents, they are the best way to buy insurance.

Another advantage? Mercury insurance premiums are priced as a call center operator (read: Esurance or GEICO); Connect it with all the benefits of a local agent, with whom you will develop a relationship!

A word to the wise! Talk to your independent agent about OTHER options …

… EVEN if the quote you get from Mercury seems like a good buy.

Comparative shopping is ALWAYS the best possible way to find the right company for you and your family.

Insurance is never a size that suits everyone.

Read more: Read our full Mercury Auto Insurance review.

Mercury Homeowner & # 39 ;s Insurance

Mercury Insurance entered the homeowners' insurance market a few years ago and they are currently trying to capture some market share. Since they are new to the game, Mercury Insurance offers a good insurance with a lot of coverage at a very reasonable price.

To end it – you can connect home and car to get a very healthy multi-policy discount for bundling the two.

If you go with Mercury Insurance, I recommend that you get an extended replacement cost. It will increase the insured limit of your home structure to 150% of the value stated in the insurance.

This is a cost effective way to give yourself a little extra peace of mind.

Disadvantages of Mercury Insurance

… which inevitably leads me to things you should be on the lookout for.

No insurance review is complete without a few words about what can be improved.

You need to be very proactive when you are with Mercury Insurance. [19659002] They are not forgiving if you do not take care of business. That's what you get with a low cost insurance company.

Let's take a look now …

“We need all the people who give us feedback. That's how we improve, Gates told the audience. He continued:

“When Melinda and I learned how little useful feedback most teachers get, we were blown away. Until recently, over 98 percent of teachers received only one word of feedback: satisfactory. If everything my bridge trainer ever told me I was “satisfying” I would have no hope of ever getting better. How would I know who was the best? How would I know what I was doing differently? Bill Gates: Good Feedback is the Key to Improvement, Inc.com

Make sure to update your vehicles if they have been modified and add drivers added ASAP. Other companies may be full of grace, but mercury, not so much.

You must tell them about everyone living in your home who is of driving age. They charge for all adults who have regular access to the car. Some people with roommates or a girlfriend may not like this little detail.

Mercury Insurance will not give you manufacturer parts when your car is damaged. This is a "thing" with insurance companies. Only the most expensive insurers give you OEM parts. It is a cost-saving technology.

Is Mercury Insurance Right For You?

In a nutshell, Mercury Insurance is a great company for families with children of driving age – who want to save some money on their car insurance premiums.

They are also quite cost effective when it comes to home insurance. Mercury Insurance offers a hefty discount for packaging for car and homeowners.

It's also amazing that this A + -classified insurance company offers call centers with a local independent agent. So if you come across a snag – someone is there to help.

All insurance car insurance companies have negative reviews. Customer reviews should NOT NECESSARY exclude them …

Researchers note that humans spend much more energy analyzing and disassembling bad experiences from an evolutionary / survival point of view. To survive, our ancestors had to be constantly on the lookout for threats to their existence.

Finding the large berry bush was amazing, but dang if there was not a saber-toothed tiger lurking around the tree a few meters away! Why are angry customers more likely to write a bad review? ReputationBuilder.us

* While we do our utmost to keep our site up to date, please be aware that "current" information on this site, such as quotation estimates, or relevant company information, may only be accurate from its most recent editing day. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Please contact your own legal or tax advisor.

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