Mercury Car Insurance is a California-based company that provides car insurance coverage in several states across the US. It was founded in 1961 and has since expanded its services to include homeowners, renters, and umbrella insurance.
In terms of customer satisfaction, Mercury has received mixed reviews. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Mercury scored below average in terms of overall customer satisfaction, ranking 27th out of 32 insurance companies surveyed.
However, it did receive an average rating for claims satisfaction.
Mercury offers a variety of coverage options, including liability, collision, comprehensive, and uninsured motorist coverage. It also offers additional options such as roadside assistance, rental car reimbursement, and accident forgiveness.
One unique feature of Mercury is its partnership with ride-sharing companies such as Uber and Lyft, offering insurance coverage for drivers who use their personal vehicles for commercial purposes.
Overall, if you are considering Mercury Car Insurance, it is recommended that you compare its rates and coverage options with other insurance providers to ensure you are getting the best coverage for your needs and budget.
Mercury Car Insurance Comparison for Good Drivers in California
In general, insurance rates for good drivers depend on various factors such as age, gender, location, driving record, vehicle type, and coverage options.
For example, a good driver who is a young male living in a high-crime area with a sports car will likely pay more for insurance than an older female driver living in a low-crime area with a sedan.
According to a recent study by Bankrate, Mercury Car Insurance ranked as the fifth cheapest provider for good drivers in California, with an average annual premium of $1,200. However, rates can vary depending on your personal circumstances and the coverage options you choose.
It is always recommended to compare quotes from multiple insurance providers to find the best coverage and rates for your specific needs. You can do this by contacting insurance companies directly, using online comparison tools, or consulting with an independent insurance agent.
Mercury Car Insurance Comparison for Drivers With a Speeding Ticket in California
Typically, drivers with a speeding ticket may face higher insurance rates due to the increased risk they pose on the road.
However, the impact of a speeding ticket on insurance rates can vary depending on several factors such as the severity of the offense, the driver’s age, gender, location, driving history, and coverage options.
According to a recent study by ValuePenguin, Mercury Car Insurance ranked as the fourth cheapest provider for drivers with a speeding ticket in California, with an average annual premium of $2,290.
However, the actual rates can vary depending on the circumstances surrounding the speeding ticket and other personal factors.
It is always recommended to compare quotes from multiple insurance providers to find the best coverage and rates for your specific needs. You can do this by contacting insurance companies directly, using online comparison tools, or consulting with an independent insurance agent.
Mercury Car Insurance Comparison for Drivers Who Caused an Accident with Injury in California
Drivers who caused an accident with injury are typically considered high-risk by insurance providers and may face significantly higher insurance rates.
The impact on insurance rates can vary depending on several factors such as the severity of the accident, the driver’s age, gender, location, driving history, and coverage options.
According to a recent study by ValuePenguin, Mercury Car Insurance ranked as the fifth cheapest provider for drivers who caused an accident with injury in California, with an average annual premium of $4,374.
However, the actual rates can vary depending on the circumstances surrounding the accident and other personal factors.
It is always recommended to compare quotes from multiple insurance providers to find the best coverage and rates for your specific needs.
You can do this by contacting insurance companies directly, using online comparison tools, or consulting with an independent insurance agent.
However, it is important to note that drivers who caused an accident with injury may have limited options and may have to pay higher rates due to their high-risk
Mercury Car Insurance Comparison for Drivers With a DUI in California
Drivers with a DUI conviction are typically considered high-risk by insurance providers and may face significantly higher insurance rates.
The impact on insurance rates can vary depending on several factors such as the severity of the offense, the driver’s age, gender, location, driving history, and coverage options.
According to a recent study by ValuePenguin, Mercury Car Insurance ranked as the fourth cheapest provider for drivers with a DUI in California, with an average annual premium of $5,287.
However, the actual rates can vary depending on the circumstances surrounding the DUI conviction and other personal factors.
It is always recommended to compare quotes from multiple insurance providers to find the best coverage and rates for your specific needs.
You can do this by contacting insurance companies directly, using online comparison tools, or consulting with an independent insurance agent.
However, it is important to note that drivers with a DUI conviction may have limited options and may have to pay higher rates due to their high-risk status.
Additionally, in California, drivers with a DUI may also be required to obtain an SR-22 form from their insurance provider, which can result in higher premiums.
Comparison of Car Insurance Complaint Levels
The NAIC calculates a complaint index, which is a ratio of the number of complaints a company receives relative to its market share.
A complaint index of 1.0 represents the industry average, with lower values indicating fewer complaints and higher values indicating more complaints.
According to the NAIC’s latest report, the national median complaint index for private passenger car insurance was 0.79. Among the major car insurance companies, Mercury Car Insurance had a complaint index of 0.33, which is significantly lower than the industry average.
This indicates that Mercury Car Insurance has a lower rate of complaints compared to other car insurance companies.
It is important to note that complaint levels can vary by state, and it is always recommended to research the complaint levels of insurance companies in your specific state before making a decision.
Additionally, it is important to consider other factors such as coverage options, rates, and customer service when choosing a car insurance provider.
Mercury Car Insurance Grade from Collision Repair Professionals:
In the study, Mercury Car Insurance ranked as the 11th highest-rated car insurance company for overall customer satisfaction, with a score of 873 out of 1000.
This score is above the industry average of 872 and reflects the satisfaction of customers with their claims experience, including the repair process.
While J.D. Power’s study does not provide information specifically from collision repair professionals, it does suggest that Mercury Car Insurance has a relatively high level of customer satisfaction with their claims process, which may extend to repair services as well.
It is important to note that there are other factors to consider when choosing a car insurance provider, such as coverage options, rates, and customer service.
It may be helpful to research reviews and ratings from various sources, as well as obtain quotes from multiple insurance providers, to make an informed decision.
More About Mercury Car Insurance
Mercury Car Insurance is a California-based insurance company that has been providing auto, home, and business insurance since 1962. The company is known for its affordable rates, flexible coverage options, and commitment to customer service.
Here are some additional details about Mercury Car Insurance:
- Coverage options: Mercury Car Insurance offers a variety of coverage options, including liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and roadside assistance.
- Discounts: The company offers several discounts to help drivers save money, such as good driver discounts, multiple vehicle discounts, and anti-theft device discounts.
- Customer service: Mercury Car Insurance is committed to providing excellent customer service and has received high ratings from various sources, including J.D. Power’s Auto Claims Satisfaction Study.
- Mobile app: Mercury Car Insurance has a mobile app that allows customers to view their policy information, pay bills, and file claims.
- Availability: While Mercury Car Insurance is based in California, the company also operates in several other states, including Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
It is always recommended to research and compare insurance providers before making a decision. Factors to consider include coverage options, rates, discounts, customer service, and reviews from other customers.
Mercury Car Insurance Discounts
Mercury Car Insurance offers several discounts to help drivers save money on their insurance premiums. Here are some of the discounts that may be available:
- Good driver discount: Drivers who have a clean driving record with no accidents or violations in the past three years may be eligible for a good driver discount.
- Multiple vehicle discount: Customers who insure more than one vehicle with Mercury Car Insurance may qualify for a multiple vehicle discount.
- Anti-theft device discount: Customers who install anti-theft devices in their vehicles, such as alarms or tracking systems, may be eligible for a discount.
- Good student discount: Students who maintain a high GPA may be eligible for a good student discount.
- Professional group discount: Members of certain professional groups, such as educators or engineers, may be eligible for a discount.
- Accident-free discount: Customers who have been insured with Mercury Car Insurance for at least five years and have not had any accidents or violations may be eligible for an accident-free discount.
- Homeowner discount: Customers who own their home or condo may be eligible for a discount.
- Multi-policy discount: Customers who bundle their auto and home insurance policies with Mercury Car Insurance may qualify for a multi-policy discount.
It is important to note that not all discounts may be available in all states or with all policy types. Additionally, some discounts may have specific requirements or limitations.
It is always recommended to check with Mercury Car Insurance or speak with an agent to determine which discounts you may be eligible for.
California Department of Insurance Alleges Mercury Overcharged Good Drivers
In April 2020, the California Department of Insurance (CDI) filed a lawsuit against Mercury Insurance Company, alleging that the company had overcharged more than 180,000 California drivers who had good driving records.
The lawsuit claims that Mercury Insurance Company had violated California’s insurance laws by charging excessive rates that were not actuarially justified.
According to the CDI, Mercury Insurance Company had been charging good drivers rates that were higher than what was allowed by California’s insurance regulations. The lawsuit alleges that the overcharges began in 1996 and continued through at least 2018.
The CDI’s lawsuit seeks to require Mercury Insurance Company to refund the overcharged amounts to affected policyholders, as well as to pay penalties and other damages. The lawsuit is ongoing, and it is not yet clear what the final outcome will be.
It is important to note that while this lawsuit is ongoing, it does not necessarily reflect the quality of Mercury Car Insurance’s overall services.
It is always recommended to research and compare insurance providers, including their rates and customer satisfaction ratings, before making a decision.
Mercury’s MercuryGo Program
MercuryGo is a program offered by Mercury Car Insurance that provides customers with additional benefits and services, including access to a personal concierge service, roadside assistance, and travel discounts.
Here are some of the key features of the MercuryGo program:
- Personal concierge service: The MercuryGo personal concierge service is available 24/7 to assist customers with a variety of tasks, such as making travel arrangements, booking tickets to events, and making restaurant reservations.
- Roadside assistance: MercuryGo includes roadside assistance services such as towing, lockout assistance, fuel delivery, and battery jump-starts.
- Travel discounts: The program offers discounts on travel services such as hotels, rental cars, and cruises.
- Mobile app: Customers can access the MercuryGo program through a mobile app, which allows them to request roadside assistance, book travel, and connect with the personal concierge service.
- Availability: The MercuryGo program is available to Mercury Car Insurance customers in California, Arizona, Illinois, Nevada, New Jersey, New York, Texas, and Virginia.
It is important to note that while the MercuryGo program may provide additional benefits and services to Mercury Car Insurance customers, it may also come with additional costs or fees.
It is recommended to review the program’s terms and conditions and compare it with other insurance providers’ programs before making a decision.
The conclusion
Mercury Car Insurance is a well-established provider of auto insurance with a range of coverage options and discounts.
While the company has received some negative attention, such as the lawsuit by the California Department of Insurance alleging overcharging of good drivers, it is important to note that this is an ongoing case and does not necessarily reflect the quality of the company’s services overall.
Mercury Car Insurance offers a variety of discounts and benefits, including a personal concierge service and roadside assistance through its MercuryGo program.
However, it is important to carefully review the terms and conditions of this program and compare it with other insurance providers before making a decision.
Ultimately, choosing the right car insurance provider depends on many factors, including individual driving history, budget, and specific coverage needs. It is always recommended to compare quotes and research several providers before making a decision.