Mercury insurance

State regulators describe Mercury Insurance as an abusive, anti-consumer company.

The California Department of Insurance recently made this statement before an Administrative Law Judge in an agency enforcement action against Mercury:

Mercury has a deserved reputation for abusing its customers and intentionally violating the law with arrogance and indifference.

Mercury illegally surcharged hundreds of thousands of drivers until it was ordered to stop in 2005.

For years, Mercury Insurance illegally overcharged hundreds of thousands of California drivers hundreds of dollars per year, until they were forced to stop in the wake of a Court of Appeal decision in 2005.

Mercury was sued by its customers for this illegal charge (Donabedian v. Mercury), but continued to impose the surcharge even as it was lobbying Sacramento to delete the prohibition from California’s insurance reform law, Proposition 103.

An internal training manual produced in a civil trial shows Mercury Insurance trained employees to mistreat, neglect and even threaten customers who file claims.

A portion of the instructional guide was disclosed as part of a 2006 lawsuit against the company by a Los Angeles business that sued Mercury for failing to properly pay a claim. During the lawsuit, a Mercury employee asserted that the company no longer uses the training manual.
The unanimous decision came last week after jurors were shown internal training guides instructing Mercury adjustors to low-ball customers, drag out their claims and remind them they could be found at fault in a trial. Amerigraphics Inc. v. Mercury Casualty Company BC331524 (L.A. Super. Ct., Feb. 21, 2008).

Mercury had to be forced by a California court to stop its insurance agents from charging illegal broker fees to unsuspecting customers.

In 2003, the San Francisco Superior Court found that Mercury was deceiving customers through its advertising by suggesting that consumers would pay less for auto insurance from Mercury than from other insurance companies. What its ad campaign failed to disclose was that Mercury customers (unlike the comparison companies) would often be required to pay an additional broker fee that is illegal under California law, driving up the actual price. The court issued an injunction ordering Mercury to change its practices.

  • Read the judge’s conclusions about how Mercury deceived customers here.
  • Read the judge’s refusal to lift the injunction against Mercury over this practice here.

In 2008, Mercury paid the California Department of Insurance a quarter-million dollar settlement for alleged claims handling violations.

The California Department of Insurance investigated Mercury’s claims handling practices, a matter Mercury settled by paying $250,000 (plus the Department’s enforcement and legal costs) and agreeing to pay more penalties if they didn’t improve their practices in six months. The Department of Insurance explained the problem with Mercury in a June 2008 news release:
Read the Department of Insurance news release here.

Mercury Insurance was ordered by Florida regulators to pay $2 million to consumers and $1 million to the state for improperly denying legitimate claims and repeatedly flouting the law.

The examination found a multitude of violations relating to Mercury’s business practices including the unwarranted termination of policies upon the filing of a claim, failing to pay the full amount on covered claims, failing to deliver policies within 60 days, failing to provide specific reasons for denial of claims, and the use of unappointed agents. However, it was the use of unfiled forms and rates to improperly deny claims that the Office considered to be the most egregious violation.

  • Read the Florida Office of Insurance Regulation release here.
  • Read the insurance publication Best Week story “Florida Orders Mercury General Units to Pay More than $2 Million to Policyholders” here.

According to a smoking gun document, Mercury pays its repair shops incentives to use aftermarket parts.

Mercury offers auto repair shops incentives — up to $750 — to use aftermarket and reconditioned parts and penalizes its repair shops for using original manufacturer parts. Incentivizing repair shops to use inferior parts when repairing policyholders’ cars endangers policyholders even if it may save Mercury money and increase profits.
Read the document here.

Mercury Insurance has a long history of trying to thwart consumer protections and the will of the voters in the state legislature and on the ballot.

Ever since California voters enacted the landmark insurance reform initiative Proposition 103 in 1988, Mercury Insurance has led a series of efforts to undermine or repeal its consumer protections.

Over the years Mercury has sponsored at least eight bills in the California Legislature to repeal or override key consumer protections approved by the voters. These include attempts to gut the 20% Good Driver Discount requirement, to re-impose discriminatory ZIP Code-based auto insurance pricing, to add new surcharges on customers, and to prevent courts and the Insurance Commissioner from ordering refunds when insurers violate the law.
Read more about Mercury’s efforts in Sacramento to dismantle Prop 103 here.

Mercury has also tried to go to the ballot in order to strip Californians of consumer protections.  The 2010 initiative is not Mercury’s first attempt.

In 2006, Mercury proposed an initiative to gut other parts of California’s landmark insurance reform measure, Proposition 103. It would have allowed, among other things, insurers to rate drivers primarily on their ZIP Code rather than driving safety record. After sparking a public outcry, the proposal was withdrawn.  Read the Los Angeles Times article describing Mercury’s 2006 attempt to attack Proposition 103 here.

Mercury Insurance is a leader among California auto insurers in one respect: political contributions.

Over the past ten years, Mercury has given more money directly to California state politicians and to California political parties than any of the four other largest auto insurers (State Farm, Farmers, Allstate, and Auto Club of SoCal), according to data available from the California Secretary of State. In fact, just considering donations directly from these insurers, Mercury has given more to individuals and parties between 1999 and 2008 ($2,746,600) than all four companies combined ($2,266,750), even though State Farm, Farmers and Allstate are substantially larger insurance corporations.
Download a spreadsheet summarizing the donations by California’s largest auto insurers here  and a pivot table for a detailed comparison at here.

The Wall Street Journal reported that in January, California Department of Insurance (CDI) officials in January threatened Mercury and five related insurance units with fines. Authorities alleged that some of Mercury’s independent brokers improperly charged customers fees, mostly for the purchase of auto-liability and property-damage coverage. According to Joseph, the fines were put on the back burner during a meeting between Mercury and department officials.

Chuck Quackenbush resigned in disgrace later that year in the wake of this and other improprieties that were revealed in the news media. A decade later, Mercury is finally facing a Department hearing on the broker fee practices that were going to be the subject of the canceled 2000 proceeding.  (See #1 above.)

Mercury Insurance and its Chairman have been mentioned during two FBI investigations into California political corruption.

In 1991, when the FBI was investigating corruption in the California Capitol that later led to the imprisonment of State Senator Alan Robbins and insurance lobbyist Clay Jackson, wiretaps of conversations between the two often referred to Mercury’s founder and Chairman George Joseph. In one frank exchange, Mercury’s chief was suggested as a possible donor, because he needed some legislative help from the Senator in his campaign to undermine provisions of Proposition 103, the voter approved reform initiative.

Mercury Insurance Review: Great Rates For Drivers, Not So Much For Homeowners

Mercury Insurance boasts some of the best rates for auto insurance, but its homeowners insurance policies offer high premiums and limited discounts.

Drivers will find that Mercury has some of the most affordable auto insurance rates, making it a great choice for price-conscious drivers. On the other hand, the company’s homeowners insurance policies are plagued by high premiums and a lack of discounts. Drivers who value friendly customer service over low auto insurance rates should keep searching, as Mercury has mixed reviews. However, if you’re willing to make the sacrifice, it’s unlikely that you’ll find another insurance company with such low auto insurance premiums.

Mercury Insurance: Great For Auto, But Homeowners Should Keep Searching

Mercury’s strongest attribute is its highly competitive auto insurance rates. In fact, even young drivers will find that Mercury offers affordable quotes. In exchange for Mercury’s low rates, you’ll be subject to spotty customer service, meaning that your experience when submitting a claim can range from pleasant to awful. Drivers that are comfortable with the trade-off will be rewarded with some of the best auto insurance prices. Unfortunately, Mercury currently only offers coverage to drivers in 11 states:

  • Arizona
  • Georgia
  • Nevada
  • Texas
  • California
  • Illinois
  • New York
  • Virginia
  • Florida
  • New Jersey
  • Oklahoma

In stark contrast to its auto insurance policies, Mercury’s homeowners insurance policies don’t have any redeeming attributes. Not only will you be subject to the same erratic customer service, but you’ll have little to show for it. Mercury’s rates are some of the highest across multiple policy limits. Furthermore, shopping for coverage can be frustrating for tech-savvy individuals, as Mercury doesn’t offer online homeowners insurance quotes. That said, Mercury does offer its policyholders a free mobile app to perform basic functions such as viewing their policies, making payments and requesting roadside assistance.

Auto Insurance Takeaway: Mercury’s auto insurance policies don’t provide customers with the longest list of discounts, but they do offer basic coverage at quotes that are hard to beat. Drivers who are focused on price more than anything else will have a tough time finding another insurance company that can match Mercury’s rates.

Home Insurance Takeaway: Simply put, there is little that Mercury offers its homeowners insurance policyholders that they can’t get elsewhere at a better price. Whether you’re searching for lower rates, better discounts or a longer list of endorsements, you’d be better off with a different homeowners insurance company.

Mercury Auto Insurance Coverage

Mercury’s auto insurance policyholders will find that the company offers a small number of optional coverages when compared to other insurance companies. Furthermore, the actual coverage available to you will depend on the state you live in, which further restricts your options. However, the Mercury Mechanical Protection add-on is an optional coverage that not many other companies offer.

Mercury Mechanical Protection: This optional add-on functions as an extended warranty on your car. Mercury Mechanical Protection includes coverage for major failures that can occur to your vehicle, like transmission problems. Mercury Mechanical Protection offers several coverage levels for new and used vehicles, up to seven years or 100,000 miles, whichever comes first. The coverage can save drivers who recently purchased a new vehicle thousands of dollars if their car needs repairs shortly after the manufacturer’s warranty expires. There is no limit to the number of claims that you make. Mercury Mechanical Protection also grants customers access to several additional benefits at no extra cost:

  • 24-hour roadside assistance
  • Road hazard tire protection
  • Rental vehicle assistance
  • Trip interruption coverage

Rental Car Coverage: Rental car coverage reimburses a driver for the cost of a rental vehicle if their car is involved in a covered accident. Mercury offers several coverage limits, with the lower end beginning at $30 per day and the higher end being $100 per day for a maximum of 30 days. You can expect to pay around $22 per year for the lower end of coverage and $75 per year for the higher end. The prices are in line with what other insurance companies charge for similar coverage.

Roadside Assistance: If you frequently find yourself stranded on the road, consider adding roadside assistance to your auto policy. The service provides you with towing, a battery recharge, tire changes and help with locked doors. Mercury’s roadside assistance gives customers the option to select coverage ranging from $75 to $1,000 per occurrence. To request roadside assistance, Mercury’s customers can dial 800-503-3724.

Traditional Coverage Available Through Mercury

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Personal injury protection
  • Uninsured and underinsured motorist coverage

Mercury Auto Insurance Discounts

Mercury doesn’t have the longest list of discounts and, much like its optional coverage options, availability will depend upon the state in which you reside. While the discounts are typical of what other insurance companies offer, Mercury does offer ways to save on what are already some of the best auto insurance rates.

Discount How Do You Receive It?
Homeowner Receive a discount if you own your home, even if it’s not insured with Mercury.
E-signature Purchase an auto insurance policy online and finalize coverage with a digital signature.
Multicar discount Insure multiple vehicles with Mercury Insurance.
Multipolicy discount Get a discount for having multiple insurance policies with Mercury, such as auto and homeowners.
Anti-theft discount Receive a discount for equipping your vehicle with an anti-theft device, such as an alarm system.
Good student discount Receive this discount if you have a student on your insurance policy who maintains grades a certain level.

Mercury Auto Insurance Rates

Whether you’re a new driver or one who has been on the road for decades, you’ll find that Mercury offers some of the best rates. In fact, across all of our sample driver profiles, Mercury provided lower-priced quotes than its competitors’ average. We found the largest discrepancy to be for young drivers, where Mercury was approximately $341 cheaper per year when compared to the mean of the quotes offered by State Farm, Farmers and Safeco. Despite our findings, you should compare your quote to the average rate in your state to see if you’re receiving a fair deal.

Mercury Car Insurance Quotes

Mercury Home Insurance Coverage

The endorsement options that an insurance company offers are important because they offer you a way to customize your policy. Endorsements can save you from having to switch homeowners insurance companies in the event that you need broader coverage for certain things. Unfortunately, Mercury offers its customers access to a limited number of endorsements.

Extended Replacement Cost: The extended replacement cost endorsement provides policyholders with an additional 50% of coverage in excess of their dwelling coverage. The endorsement is meant to protect homeowners against the sudden rise in the cost of materials or labor that can occur when a lot of homes are damaged in the same area. While other insurance companies often offer extended replacement cost, most other endorsements give you 25% of additional coverage. With Mercury, if your dwelling limit is $100,000, you would receive $150,000 of coverage.

Additional Living Expenses: If your home is damaged and uninhabitable due to damage stemming from a covered loss, this endorsement provides reimbursement for things like the cost of a hotel and food.

Service Line Protection: This endorsement provides homeowners with $10,000 of coverage for damage to exterior and underground service lines. If a break to any of these lines occurs on your property, you could be held responsbile for repairs, meaning that this endorsement could save you thousands of dollars. It’s not an add-on that is commonly found among home insurance companies. Service line protection provides coverage for the following:

  • Water piping that connects your home to a public water supply
  • Sewer piping that connects your home to a public sewer
  • Ground loop piping
  • Piping that provides heating (e.g. natural gas, propane, etc.)
  • Piping that supplies compressed air
  • Power lines

Identity Theft Protection: The identity theft protection endorsement provides policyholders up to $25,000 in coverage for expenses that they incur as a result of identity theft. Mercury partners with CyberScout to provide policyholders with identity protection services. CyberScout has fraud specialists who can advise you and assist you by placing fraud alerts and calling creditors. The endorsement allows you to seek reimbursement for any of the following:

  • Lost income
  • Notaries
  • Attorney fees
  • Mailing costs
  • Loan application fees

Additional Coverage For Valuables: High-value items, like sports memorabilia and jewelry, are typically covered by a standard homeowners policy to a limit, but these items’ value can exceed the coverage limit of a standard policy fairly easily. Therefore, if you own any items worth more than $1,500, or several items worth a few hundred dollars, it would benefit you to add this endorsement your policy. The endorsement will provide you with a higher coverage limit for your valuable items.

What Does a Mercury Homeowners Insurance Policy Cover? Details
Your dwelling Provides coverage for the cost to repair or rebuild your home if the damage was caused by a covered loss.
Your personal property Provides coverage for personal items that are damaged in the event of a covered loss.
Personal liability Pays for bodily injury or property damage caused to others if it’s caused by a covered incident.
Additional living expenses Reimburses you for expenses incurred when living away from home due to a covered loss.

Mercury Home Insurance Discounts

Mercury offers an unusually low number of discounts to its policyholders. However, local agents may be able to find you more discounts based on your state of residence. While it’s not technically a discount, Mercury’s policyholders can also lower their insurance rates by selecting a higher deductible.

Discount How Do You Receive It?
Multipolicy discount Save when you bundle your home and auto insurance policies with Mercury.
Fire-resistant construction materials Receive this discount if your home is constructed with materials that are deemed to be fire-resistant.
Gated community You’re eligible for a discount if your home is located within a gated community.
Protective device discount Qualify for this discount if you have smoke alarms, deadbolts or burglar alarms installed in your home.
Newer home Receive a discount if the home you’re looking to obtain insurance coverage for is new.

Mercury Home Insurance Rates

Overall, Mercury offers high quotes for homeowners insurance across most policy limits. In fact, for all of the policy limits we sampled, Mercury offered either the highest quote or the second highest. While some insurance companies mitigate their high rates with substantial discounts, that simply isn’t the case with Mercury. Mercury’s limited discounts mean that the quote that you receive is likely very close to what you’ll end up paying. If you’re interested in comparing rates, you should evaluate how much you pay relative to the average cost of homeowners insurance in your state.

How Do Mercury's Home Insurance Quotes Compare to Other Insurers?

Mercury Insurance Financial Strength Ratings

Although it isn’t a name that’s as easily recognizable as State Farm or Farmers, Mercury’s customers can rest easy knowing that the company has the financial means to pay customer claims. A.M. Best Rating Services, an independent rating agency, assigned Mercury Insurance an A+ for financial strength, which is the second highest possible rating. The rating signifies that Mercury Insurance has a superior ability to meet its financial obligations, such as customer claims.

Mercury Insurance Reviews and Complaints

Just because an insurance company has the ability to meet customers’ claims doesn’t mean that customers will benefit from a painless customer claims process. In fact, Mercury’s online reviews are mixed with many customers complaining about being dropped from coverage after receiving payment for filed claims. J.D. Power affirms Mercury’s inconsistent service and claims processing by ranking the company’s overall customer satisfaction as average and below average for homeowners and auto insurance, respectively.

Mercury Insurance Brokers

At Mercury Insurance we provide cover for both the commercial sector and personal lines. Whether you’re looking for public liability insurance, landlord or household insurance, motor insurance or fleet insurance, through to travel, breakdown and legal expenses cover. You will find a policy to suit your requirements at Mercury.

Mercury reviews and ratings

  • Mercury’s customer satisfaction ratings are average or worse
  • Has fewer auto insurance complaints than other companies relative to its size, but far more home insurance complaints
  • Auto insurance policies have few extras, which can keep prices low

Mercury Insurance has a large presence in California, but it also offers auto insurance in 10 other states, plus additional products such as home, renters and commercial auto insurance. Its policies are sold through a network of independent agents.

Mercury auto insurance

Mercury is a meat-and-potatoes auto insurer, with coverage options that start and end with the basics, including:

  • Liability
  • Collision and comprehensive
  • Personal injury protection
  • Uninsured and underinsured motorist coverage

Mercury home insurance

Mercury’s options for home insurance include all the standard options, plus a few add-on features, including:

  • Identity theft protection: pays for costs related to fixing criminal identity theft
  • Extended replacement cost: pays up to 150% of your dwelling limit to rebuild your home
  • Additional coverage for valuables, such as jewelry or fine art, is available

More about Mercury

Mobile app: You can pay bills, view documents, download car insurance ID cards and summon roadside assistance with Mercury’s customer app.

Other types of insurance: In addition to auto and home, Mercury offers the following insurance, though not every type is available in all states where Mercury operates:

  • Condo insurance
  • Renters insurance
  • Mechanical breakdown protection for repairing mechanical and electrical issues with your vehicle (doesn’t pay to repair wear and tear).
  • Commercial auto insurance
  • Business insurance
  • Umbrella insurance

Mercury Insurance Group

Building a Customer Portal

Mercury Insurance has been providing comprehensive insurance solutions since 1962, ranging from personal and business auto insurance to homeowners insurance to mechanical breakdown protection. During Mercury’s digital transformation, the company embarked on the creation of a comprehensive customer portal that would allow its customers to manage their total relationship with Mercury. Mercury’s portal enables customers to access their policy information and pay their bills.

In today’s competitive business environment, where consumers can easily comparison shop on any device, customer portals need to be mobile-optimized, user friendly, secure and sophisticated—which meant that Mercury needed to find a portal platform that could keep up with all these standards.

After reviewing competitive portal offerings, Mercury decided on Liferay because it was Java-based and offered content management support, mobile readiness, flexible integration with Mercury ecosystems, and compatibility with key open source technologies like OpenID with Facebook and Google.

A Way to View a Customer as a Name, Not a Number

Mercury wanted its new portal to achieve the following benefits:

  • Enhance customer experience
  • Increase customer retention with improved customer satisfaction
  • Stay competitive in the current marketplace
  • Reduce the volume of calls into the call center and to Mercury agents
  • Reduce customer service costs by providing self-service functionalities
  • Reduce printing and mailing costs by offering paperless communication
  • Maintain compliance with standards, statutes, regulations and policies

One of the main challenges was uniting multiple systems of record that connected to back-end databases for car insurance, home insurance and other offerings. Mercury’s team unified policy and customer information into one customer identification system, and with Liferay, connected each insurance ID number with a name and customer profile. This allowed agents to identify people by name, rather than asking for a policy number. The tremendous amount of work that went into this simple change was the first big step toward Mercury launching its customer-centric strategy for the portal.

Improving Customer’s Digital Experience

With the new portal, customers are able to sign in once and access all their policies in one location. The portal is mobile-responsive, which allows people to access their information at any time and place. Customers can reach out to agents directly for help, or use self-service options like viewing important messages, making payments securely and customizing communications preferences for e-documents or printed documents.

After the new portal was launched, Mercury surveyed its customers and continues to receive very positive feedback on the solution. Customers are pleased that they can manage their policies independently, without calling a service center or agents. In addition, the portal initiative helped Mercury gain 45 points in a J.D. Power study, due to the features in the new customer portal.

Future plans for the portal include creating native mobile app functionality, more feature sets and more advanced communication options. The Liferay platform is ready to support all of Mercury’s plans, giving the insurance company confidence that its portal will continue to match the expectations of its customers as it moves further into creating a technologically advanced portal.

Mercury Insurance Personalizes Quote Funnel to Drive Conversions by 56%

Mercury Insurance is a multiple-line insurance organization that offers a diverse product portfolio, including personal auto, homeowners, business, and mechanical breakdown insurance. In an effort to drive profit margins in a crowded marketplace, Mercury needed to implement a personalization program to gain a better understanding of each website visitor’s unique needs.

Challenges

  • Implementing a successful personalization program
  • Optimizing the quote funnel to drive profit margins

Solutions

  • Testing and optimization
  • A/B web testing
  • Segmentation and personalization

Results

  • Generated 19.9% conversion rate across the board of the Basic insurance package.
  • Achieved 56% conversion rate uplift with visitors in a specific micro-segment.
  • Attained 44% conversion rate uplift with visitors who recently had been in an accident.

Mercury Insurance Group has been in business for over 50 years and offers auto insurance through local agents. Mercury advertises that it offers low rates and excellent coverage options for homeowners, condo, renters, umbrella, auto/mechanical breakdown, business auto and business insurance in 13 states.

Mercury Insurance Group is headquartered in Los Angeles, California. It was founded by George Joseph in 1961.

Mr. Joseph’s purpose in creating Mercury Insurance Group was to provide a low-cost alternative to the bigger insurance companies. It caters to good drivers with clean driving records and offers preferred policies at a lower insurance premium.

On the company website, you can find the statement that California insurance customers may save hundreds or thousands of dollars per year on auto insurance by switching from their current carrier to Mercury Insurance. The company slogan is “Mercury provides everything you need in an insurance company.”

The company continues to grow as a leading writer for automobile insurance and is the third largest private passenger automobile insurer in the state of California. Mercury Insurance Group has assets of over $4 billion due in part to its tight underwriting and efficient claims handling.

In 2009, Mercury Insurance Group purchased AIS Management, LLC, parent company of Auto Insurance Specialists, LLC.

AIS became Mercury’s independent broker selling Mercury Insurance products.

Financial Stability and Customer Service Ratings

A.M. Best insurance rating organization has given Mercury Insurance Group its highest financial strength rating of “A+” Superior. This means that you can trust in the company’s ability to be able be around when you need them most and to pay its financial obligations and claims.

In customer satisfaction ratings through J.D. Power & Associates, Mercury Insurance Group did not fare as well. The company scored 3 out of 5 in the PowerCircle ratings based on customers surveyed. The J.D. Power & Associates PowerCircle ratings are based on customer satisfaction levels in the areas of billing and payment, policy offerings and claims service.

Insurance Products

Homeowners insurance options include dwelling protection, personal property coverage, extended replacement cost, additional living expenses, personal liability protection, guest medical protection and identity theft protection. There is additional personal property coverage available for expensive items such as antiques, fine art and jewelry.

Condo insurance can be customized to suit your needs with coverage for personal property, additional personal property, home improvements, loss assessment, additional living expenses, personal liability protection, guest medical protection, workers’ comp coverage and liability/contents coverage on your condo when rented to others.

Renters insurance from Mercury provides coverage for your possessions and valuables from a covered loss. There is coverage for personal property, additional personal property, personal liability protection, guest medical protection and workers comp coverage.

Umbrella insurance provides additional liability protection to protect you from unexpected events that you could be sued for. This additional liability coverage is in addition to what you already have with your current auto or homeowners policy.

Business Auto coverage from Mercury provides a variety of coverage options: liability, collision, comprehensive, medical, personal injury protection (PIP), and uninsured/underinsured motorists coverage. The coverage is offered for any number of business vehicle types (passenger vehicles, buses, vans, pickups, flatbeds, box trucks, utility trucks, etc.) to a variety of businesses including artisans, caterers, farmers, construction workers, pest control, sales/marketing professionals, wholesale workers, etc.

Business Insurance provided through Mercury includes the business owners, commercial property and commercial liability policies.

Some of the industries covered are apartment owners, warehouses, restaurants, metalworkers, storage facilities, offices, print/design businesses and more. Policies can be customized and extra coverage added for Electronic Data Processing Equipment, Mechanical Breakdown, Building Ordinance, Sewer Back-up, and more.

Mechanical Breakdown protection extends coverage for up to seven years or 100,000 miles. The mechanical breakdown coverage includes 24-hour emergency roadside assistance, trip interruption insurance and rental vehicle assistance. Coverage is nationwide and repairs can be made at any licensed U.S. repair facility. There is no claims limit number and the coverage is transferrable.

Personal auto policy options include: Liability, CollisionComprehensive, Medical, Personal Injury Protection (PIP)Uninsured/Underinsured Motorist, Rental Car Reimbursement and Roadside Assistance.

Discounts

Some of the discounts available to auto insurance customers through Mercury Insurance include: Good Driving Discount, Multiple Vehicle Discount, Professional Membership Associations Discount, Anti-theft Device Discount and Good Student Discount. The company refers customers to a local agent to find the best rate and discount options for auto and homeowners insurance.

Operating Territory

Coverage is offered for the following states: Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas and Virginia. Not all coverage options or discounts are available in all states.

Policy Services

From the company website, insurance customers may file a claim; pay a bill, review policy options, access policy documents and request changes to their insurance coverage. To obtain an auto insurance quote, you must provide the vehicle identification numbers for all of your vehicles, lienholder information and your driver’s license number.

Pros

Some customer reviews have stated positive customer service experience in the areas of payments and handling of claims. Mercury Insurance Group has superior financial strength ratings and customers can trust in the company’s ability to be able to meet financial obligations and pay claims.

Cons

Mercury Insurance Group only provides insurance coverage in 13 states. All policy types and discounts are not available in all 13 states.

Mercury Insurance Independent Agency

Authorized Mercury Insurance Agent

Armor Insurance is an award winning Authorized Mercury Insurance Agent in California offering low rates and dedicated service for Mercury Insurance Company, and Mercury Casualty Company.

As a Mercury Insurance Agent, Armor can help you with insurance products offered by Mercury Insurance Group in California, such as:

  • Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renters Insurance
  • Umbrella Insurance
  • Mechanical Breakdown Insurance
  • Business Auto Insurance
  • Business Insurance

As a Mercury Authorized Agent, Armor has extensive experience helping customers secure low rate Mercury Insurance policies, and can help you find insurance discounts to save you even more money.

Mercury Insurance

Mercury Insurance is a leading Insurance Company in California. Mercury offers some of the lowest car insurance and home insurance rates available, combined with personal service from local, dedicated insurance agents, such as Armor Insurance.

Award Winning Mercury Insurance Agency

As Mercury Insurance experts, we walk you through insurance coverage options and answer your questions about Mercury car insurance, home insurance, business insurance, and other Mercury Insurance products.

At Armor, we can give you Mercury Insurance quotes for car and home insurance, condo insurance, renters insurance, business insurance, business auto insurance, and other types of insurance in California.

The California Supreme Court has rejected a bid by Mercury Insurance Group to charge customers for branding costs.

The high court refused to hear the Mid-City company’s appeal of a lower court ruling that upheld the authority of the state insurance commissioner to prohibit Mercury from passing on $2.8 million in branding costs to its policyholders, Insurance Commissioner Dave Jones announced Friday.

The Supreme Court’s decision not to accept the appeal was revealed in a terse case update filing on Wednesday, but not publicized until Friday.

In February, a state appellate court in Sacramento upheld Jones’ authority to order Mercury to reduce its rates, which included a denial of a request by Mercury to pass on $2.8 million in brand advertising costs to its ratepayers, including the cost of a sponsorship for a tennis tournament in Carlsbad. The court said that general brand advertising that does not provide information to current and potential policyholders was not a permissible use of policyholder money.

“In this most recent victory, the courts rejected the insurers’ claim that they have a First Amendment right to charge policyholders for the cost of the Mercury Insurance Tennis Open or flying a blimp over the Super Bowl with the insurer’s name on the side,” Jones said in a statement. “Consumers should not have to pay for brand advertising that only benefits the insurance company and provides no meaningful information to consumers.”

Mercury Insurance issued its own statement in response to the Supreme Court’s rejection of its appeal.

“We’re disappointed with the ruling, however, we accept the court’s decision and we will continue to provide California insurance consumers with some of the lowest rates in the state,” the company said. “Mercury Insurance customers already know how competitive our rates are, and the California Department of Insurance 2017 rate comparison study proves that Mercury’s rates are among the lowest in the state.”

Since first opening their doors in 1962, Mercury Insurance has grown to be one of the largest insurance companies in the US. George Joseph founded the Mercury General Corporation, focusing on providing its policyholders with high-quality insurance products, service and protection at an affordable rate. Today, Mercury has more than $4 billion in assets and over 4,600 employees. In addition, Mercury works with 8,000 agents in 13 states across the US.

Since first opening their doors in 1962, Mercury Insurance has grown to be one of the largest insurance companies in the US. George Joseph founded the Mercury General Corporation, focusing on providing its policyholders with high-quality insurance products, service and protection at an affordable rate. Today, Mercury has more than $4 billion in assets and over 4,600 employees. In addition, Mercury works with 8,000 agents in 13 states across the US.

When you buy a policy with Mercury Insurance, you will get your own online portal. When you login, you can make a payment or view your claims or payment history. You’ll also be able to print ID cards, request policy changes and contact an agent. A leading car insurer in California, Mercury Insurance Group is one of the fastest-growing car insurance companies in the United States. They promise a combination of low rates and personalized service. They sell insurance both online and through their network of independent agents.

Mercury Insurance was recently ranked in the top 5 auto insurers in the US. Insure.com surveyed over 3,500 people for a range of categories, including service, claims handling and price. They were also listed as one of America’s most trustworthy companies by Forbes four times. They have been accredited with the Better Business Bureau for over 20 years.

Mercury Insurance’s Discounts:

  • Multi-car: Insure more than one vehicle with Mercury Insurance and you could qualify
  • Anti-theft devices: Install a working tracker and take advantage of cheaper rates
  • Good student: If your GPA is high, you could get a discount
  • Vehicle safety rating: Check out your car’s safety rating, the higher it is the bigger the discount
  • Good driver: A clean driving record can help you to get a discount with Mercury Insurance
  • Affinity discounts: Certain professional organizations may qualify for a lower rates
  • Annual mileage: The less you drive, the less likely you are to get in an accident and Mercury Insurance will reward this with decreased premiums