Buy Mercury Insurance Online [EXCLUSIVE]
Mercury Insurance (MCY) is a multiple-line insurance organization predominantly offering personal automobile, homeowners and commercial insurance through a network of independent agents in Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, New Jersey, New York, Oklahoma, Pennsylvania, Texas and Virginia. Since 1962, Mercury has specialized in offering quality insurance at affordable prices. For more information visit www.mercuryinsurance.com or Facebook.com/MercuryInsurance and follow the company on Twitter.
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Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
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Mercury earned a Bankrate Score of 4.6 out of 5. To reach this score, our team of insurance experts analyzed Mercury in the following categories: customer satisfaction scores from J.D. Power, several financial strength ratings from institutions like AM Best, customer complaints filed with the National Association of Insurance Commissioners (NAIC), average premiums from Quadrant Information Services, available policy options and policy management accessibility, and national availability.
However, auto insurance companies base rates on numerous factors. The price you pay may be more or less than these averages depending on your individual circumstances, such as your claims history, driving record and the types of coverages you choose to include in your policy.
To determine rates, Bankrate tracks rates provided by Quadrant Information Services. Over time, we analyze the data to compare average rates for specific driver profiles and situations. For instance, we examine average premiums offered to drivers with a clean driving record and those for motorists with a moving violation such as an at-fault accident or speeding ticket. Since some insurance companies will not write policies for drivers with a history of DUI violations, we do not include DUI rate data. If you have a DUI on your driving record, speak with a Mercury insurance agent to find out if you qualify for a car insurance policy.
In addition to its competitive rates, Mercury Insurance offers car insurance discounts to help drivers save on premiums. Among them are a few that are particularly easy to qualify for, depending on your driving habits or vehicle features:
Mercury offers a rich collection of online resources for drivers, including tips for teen drivers, a driving quiz, a list of apps to keep teen drivers safe, tips on finance, travel, insurance and a guide for how to prepare for or deal with extreme weather. The company also authorizes certain vehicle repair facilities to help you find a high-quality repair shop near you.
Mercury home insurance offers the standard home coverage options, along with extended dwelling replacement cost coverage, identity theft protection and valuable items coverage. It also earns a Bankrate Score of 2.6 out of 5. Keep in mind that Mercury only writes homeowners policies in 10 states: Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
Mercury enables homeowners policyholders to enhance their protection by bundling their property insurance with optional Home Cyber Protection, Home Systems Protection And Identity Management Services. Home Systems Protection covers home appliances and electronics, while Home Cyber Protection may cover data losses from mobile devices and personal computers. Following a covered loss, Identity Management Services can help pay expenses incurred by identity theft such as attorney fees, lost income and notary fees.
In the 2022 J.D. Power U.S. Auto Insurance Study, Mercury ranked fourth in the California region, with an overall customer satisfaction score of 827 out of 1,000. Mercury was also included in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study, but ranked below the industry average, with an overall customer satisfaction score of 830 out of 1,000. However, in the National Association of Insurance Commissioners (NAIC) 2021 complaint index, the provider earned a 0.71 rating for personal passenger insurance, indicating fewer complaints than the baseline average of 1.0.
Mercury enables auto and home insurance policyholders to file a claim over the phone by calling its 24/7 hotline at 800-503-3724. Car insurance policyholders can also file a claim online, although this option does not exist for homeowners insurance claims. A claims representative can also arrange for a tow truck and a rental car for auto claims, if needed.
In 2022, Mercury began subsidizing the cost of Flume smart home water monitoring systems for California homeowners insurance policyholders. In light of ongoing drought conditions, the initiative is set to help homeowners detect leaks and monitor their water usage. Additionally, the program may help homeowners qualify for water district rebates to help cover the costs of water monitoring devices and installation.
Similar to Mercury, Progressive offers a usage-based telematics program that may earn policyholders additional savings for practicing safe driving behaviors. But Progressive offers several other products, including dental, health, life, pet, travel and vision insurance.
Geico is known for offering lower-than-average rates. When shopping for a new policy, policyholders looking for cheaper car insurance may want to consider Geico. The company tied for a 2023 Bankrate Award as the Best Auto Insurance Company Overall. Although Geico only extends a few discounts to home insurance customers, it offers an impressive number of car insurance discounts, including up to a 23% discount for vehicles equipped with airbags and anti-theft systems.
Mercury offers a small portfolio of products, primarily for policyholders who need auto, home or renters insurance. AM Best gives the provider an A (Excellent) financial strength rating, and in 2022, Mercury earned the fourth-highest ranking in the 2022 J.D. Power U.S. Auto Insurance Study for the California region.
The insurer offers all standard auto and home insurance coverage types, but some larger insurance companies offer more optional coverage and discounts. Some larger providers also offer health and life insurance products, along with financial services such as checking and savings accounts and investment products. However, if you only need car and home insurance policies, Mercury might meet your needs.
Unfortunately, Mercury is only available in 11 states and has received some poor ratings for its customer service. Plus, its online account management features seem to be limited. Those looking for auto coverage will likely want to shop around and compare policies to find the best coverage to suit their needs.
Mercury Insurance today announced that Californians are able to purchase renters insurance online at www.MercuryInsurance.com/Renters. Visitors to the site can get a quote and buy their policy during the same online session.
Mercury Insurance (MCY) is a multiple-line insurance organization predominantly offering personal automobile, homeowners and commercial insurance through a network of independent agents in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Since 1962, Mercury has specialized in offering quality insurance at affordable prices. For more information visit www.mercuryinsurance.com or Facebook and follow the company on Twitter.
Yes, Mercury has a grace period of 30 days for new cars. This means that existing customers have 30 days to officially add a new car to their insurance policy and purchase any additional coverage that it may need. During that grace period, the new car will be automatically covered by the existing policy.
No, you do not need insurance to buy a car, but you will need insurance to drive the car home. Most dealerships require proof of insurance before allowing you to leave with a car, since almost every state requires drivers to have car insurance coverage whenever they are behind the wheel.... read full answer
In 2015, the Commissioner fined Mercury $27.6 million for charging consumers unapproved and unfairly discriminatory rates. Despite being advised for years by the Department of Insurance not to do so, Mercury continued to allow its auto insurance agents to charge consumers $50 to $150 in illegal fees on top of the premium the Department approved. Proposition 103, passed by the voters in 1988, prevents auto insurers from charging excessive rates and requires that rates be approved by the Commissioner.
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