All About Mercury Car and Home Insurance
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Operating in 11 states across the U.S., Mercury Insurance provides car and home insurance to residents. The company was founded in 1961 in California and is headquartered in Los Angeles. Originally started to serve as a low-cost alternative to more expensive policies from the larger insurance companies of the time, Mercury has garnered numerous accolades, including being named a Top Five Best Auto Insurance Company by Insure.com and one of America’s Best Midsize Employers by Forbes magazine.
How Mercury Insurance compares to other insurance companies
Low rates, excellent coverage, and local agents who work closely with customers set Mercury Insurance apart from its competition. With more than 50 years of experience, Mercury Insurance has grown to become an industry leader in California, where it was founded, serving as the fourth-largest insurer of private passenger automobiles in the state.
Types of car and home insurance provided by Mercury Insurance
Mercury Insurance offers a variety of car and home insurance types in the states the company operates in. The sections below list the different insurance types available from Mercury.
Car insurance types
Car insurance from Mercury provides the typical array of standard coverage options, including:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist coverage
Home insurance types
Mercury also offers a wide selection of insurance coverage for your home, including:
- Dwelling protection
- Personal property
- Additional living expenses
- Personal liability protection
Coverage options provided by Mercury Insurance
To provide even more coverage, Mercury offers a variety of coverage options for both your home and car. The section below details the different options that the company offers.
Car insurance coverage options
Mercury Insurance offers the following car insurance coverage options:
- Rental-car coverage
- Roadside assistance
Home insurance coverage options
Mercury also has a variety of coverage options to go along with a standard home insurance policy, such as:
- Extended replacement cost
- Guest medical protection
- Identity theft protection
- Additional personal property coverage
- Flood insurance
- Earthquake insurance
Discounts you can get through Mercury Insurance
Mercury Insurance understands the need to keep insurance premiums affordable. To do this, the company offers a variety of discounts for car and home insurance, covered in more detail in the section below.
Car insurance discounts
Car insurance discounts from Mercury include:
- Good driving record discount
- Multiple car discount
- Affinity discount
- Anti-theft discount
- Good student discount
- Multi-policy discount
- Driver education discount
- Safety feature discount
- Anti-lock brakes discount
- VIN etching discount
- Low-mileage discount
Home insurance discounts
Mercury home insurance discounts include:
- Multi-policy discount
- Protective devices discount
- Fire-resistant construction materials discount
- Newer home discount
- Gated community discount
States in which you can find Mercury Insurance
Unlike many insurance companies, Mercury Insurance focuses on just a few states. The 11 states that Mercury operates in include:
- New Jersey
- New York
Available Mercury Insurance apps
Mercury Insurance also offers a couple of apps for its customers, including Mercury Portal and Mercury Assist. The Mercury Portal app for Android allows customers to view their policy, make a payment, and contact an agent, all from their mobile device. The Mercury Assist app for Apple devices allows Mercury customers to access 24-hour emergency and accident assistance with Total Care, as well as to connect directly to a Mercury Case Manager through its Live Chat function.
Better Business Bureau (BBB) and A.M. Best ratings for Mercury Insurance
One of the easiest ways to check out the validity of a company is through its ratings with the BBB and A.M. Best. The BBB rating signifies a company’s responsiveness to complaints from customers, while its A.M. Best rating serves as an indicator of a company’s financial stability.
According to the BBB, Mercury Insurance has an A+ rating signifying that the company responds quickly to customer complaints and typically has a favorable resolution to customer problems.
According to A.M. Best, Mercury has an A+ rating. This rating indicates that Mercury Insurance has an overall good financial outlook, though recently the company downgraded Mercury Insurance’s “financial outlook” to “negative” due to liability losses for car accidents in Florida and California from 2012 through 2014.
While not as big as some of the larger insurance companies in the U.S., Mercury Insurance serves as an industry leader in the states it does operate in. With recent favorable accolades, Mercury looks to continue to grow as a company, providing first-class service to its customers as it seeks to meet all of their insurance needs.