Mercury Insurance Review 2021 Update: Application Process Guide

Mercury Insurance Review 2021: Before taking that big decision on which insurance company will be best for you, just take your time to go through your available options. So in this article, I will be helping you with Mercury Insurance Review. I will be highlighting some basic points you will find needful in your decision-making.

Mercury Insurance Review 2021 Update: Application Process Guide

You get to read on the following point below;

Mercury Insurance Group has been in business for over 50 years and offers auto insurance through local agents.

They advertise 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 Review

Mercury Insurance Review

States served: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, Virginia

Roadside assistance:   Included free

Pay schedule:  12 months

Claims methods:         phone

New car protection:   Yes

Accident forgiveness: No

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.

Also, it caters to good drivers with clean driving records and offers preferred policies at a lower insurance premium.

Pros

  • Cyber coverage for protection against online attacks and other additional homeowner coverage available
  • Rideshare insurance available
  • Offers competitive rates
  • Mechanical breakdown protection

Cons

  • Limited options to customize policies
  • Low homeowners insurance customer satisfaction
  • Policies must be purchased through an agent
  • Only available in 11 states
  • Low auto insurance claims satisfaction ratings

Mercury Insurance Products

Mercury Insurance Products

Mercury offers a range of insurance products for your vehicles and your home. Its insurance products include:

  • Auto insurance. Mercury offers some of the best auto insurance coverage for the price.
  • Homeowners insurance. Protects your home from fire, hazards, theft, and more losses.
  • Condo insurance. Covers personal property, flooring, light fixtures, cabinetry, additional living expenses damages beyond association coverage, and more.
  • Renters insurance. Benefits include coverage for personal property losses, bodily injury or property damage. Mercury offers some of the best renters insurance. It also pays when your guests are injured in a covered incident and even pays for workers’ comp coverage for part-time employees.
  • Umbrella. Coverage provides extra protection for the unexpected.
  • Landlord. Insurance protects property owners who lease rental properties against damage losses.

Available Discounts on Mercury Insurance Products

Available Discounts on Mercury Insurance Products

Mercury doesn’t offer the longest list of discounts, but it does offer quite a few opportunities for savings. Here’s a list of some of its discounts and how you can get them:

  • Anti-theft discounts for an anti-theft device in your vehicle
  • Auto-pay discounts when funds are deducted from your account
  • Pay-in-full discounts for paying your entire annual policy premium upfront
  • E-sign when you sign your policy documents electronically for a discount
  • Multi-car insures more than 1 vehicle
  • Multi-policy when you have multiple policies with Mercury
  • Good driver for maintaining a clean driving record
  • Good student for students who have good grades — B average or better in high school or college
  • Professional occupation for educators, engineers doctors, and other professions receive a discount

Mercury also offers discounts if you own a newer home, live in a gated community, and/or own a home built with fire-resistant construction materials.

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Application Process for Mercury Insurance

Unfortunately, you won’t be able to apply for coverage with Mercury Insurance online.

Instead, you’ll need to get a quote online and purchase your policy through an agent or handle the entire process by calling in.
By phone. If you’d rather apply by phone, you can reach an agent at (800) 956-3728.

In-person. Mercury’s claim to fame is personalized service through a network of independent agents. If you’d prefer to apply in person, you can use the agent locator tool on the website to find the nearest agent.

Online

  1. Visit the Mercury Insurance website, enter your zip code, then click “Get a quote”
  2. Enter your personal information including name, address, and so on. Click “Save and continue”.
  3. Enter your vehicle details or VIN, add vehicle then click “Save and continue”.
  4. Add driver details, then click “Save and continue”.
  5. Enter any additional details and previous insurance information, then click “Save and continue”.
  6. Review all details, and if you’re satisfied with your quote, click “Submit to agent”. An agent should reach out to finalize your quote.

FAQs

FAQs

1. Is Mercury insurance good?

This will depend on the particular sentiment towards the company at the time — insurance companies are always changing. You should make sure to look at consumer watchdog groups before you make a decision.

2. How is Mercury car insurance?

This will depend on the type of car insurance that you purchase. Different coverage levels for different cars will carry different prices. Make sure to get a quote before you pay for any insurance plan. If they require a good credit score then you will need to make sure that’s high enough to qualify for good rates.

3. Does Mercury insurance sell gap insurance?

At present, Mercury Insurance does not offer gap insurance to its clients.

4. Does Mercury insurance accept American Express?

Yes, Mercury insurance does currently accept American Express as a payment option. Therefore, this is a great feature for American Express members who are looking to accumulate points.

5. Do small accidents raise Mercury insurance?

In many cases, small accidents do raise Mercury insurance premiums. If you want to avoid paying more for car insurance, you’ll need to make sure to avoid accidents and claims as much as possible.

Finally, if you want a Mercury Insurance policy, you can get 1 through more than 8,000 agents available in the 11 states the carrier serves.

But basically, go through your available insurance options carefully before making your decisions. Visit the Mercury Insurance website or call 800-956-3728 for more information.

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