Introduction

The insurance provided by Mercury Insurance was established in 1961, and its current location in Los Angeles serves as its headquarters. It is one of the most reputable auto insurance agencies in California. Mercury Insurance Company serves the states of Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia with their automobile insurance products.

Automobile policy options provided by Mercury include collision, comprehensive, and uninsured/underinsured motorist coverage. It varies from state to state whether or not applicants are eligible for any of the eight discounts. Mercury Insurance policies are only available through independent agents, so customers shopping for insurance online need to look elsewhere. Auto coverage and discounts are comparable to those offered by Mercury Insurance Auto Insurance Review. This insurance company only operates in eleven states, and its ridesharing add-on is available in nine states. Take into consideration this insurer if your state provides health insurance options.

The Arguments in Favor and Why?

Insurance protection is available for ridesharing: Drivers for ridesharing companies like Uber and Lyft can include a ridesharing endorsement on their existing auto insurance policies, but this choice is subject to the state laws in which they reside. It will offer coverage for any gaps in protection not satisfied by the operator's ridesharing insurance policy.

There are several different ways to save money on this. The mercury app is a usage-based program that offers participants an immediate discount for their participation. Mercury Insurance offers its customers a variety of discounts, one of which is the opportunity to receive a discount immediately for using the app. Different states may have different policies regarding discounts.

Suppose your vehicle experiences a breakdown for any reason. In that case, you have the option to purchase coverage against mechanical breakdown, which operates similarly to an extended warranty and pays for repairs that meet certain criteria.

Disadvantages

Unless you prefer to receive assistance on a one-on-one basis, you will need to purchase a policy through an agent. If you would rather complete the application process in its entirety online, you might find it annoying to be required to work with an agent. This insurer will only sell auto insurance policies to people legally residing in one of the 11 states listed below: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, or Texas. This insurer will also sell policies to people living in Virginia if they meet the company's requirements. Currently, there is no way to submit claims via the internet: Policyholders must call the hotline Mercury Insurance maintains around the clock to speak with a claims agent. The hotline can be reached at any time.

Coverage Categories

The following is a list of the standard types of insurance that Mercury Insurance offers to its customers:

• When you cause an accident that results in property damage or bodily injury to another person, your liability insurance will pay for those damages and losses. If you are found legally liable for something, your liability insurance may also pay for your legal defense.
• This auto insurance helps cover the cost of repairing or replacing your vehicle in the event of a collision, regardless of who was at fault for causing the accident. In addition to that, it covers injuries sustained as a result of hitting an object such as a fence or pole. Your collision coverage will pay you back the amount of money your vehicle is worth in the event it is deemed a total loss.
• Suppose your vehicle is stolen or destroyed by an act of vandalism, fire, floods, hail, falling objects, or animal collisions. In that case, your comprehensive insurance policy may cover the cost of repairs or the value of your vehicle. Even though it is not required by state law, your lender or leasing company will require you to have it in addition to collision coverage if you have a loan or lease on your vehicle.
• If you or any of your passengers are injured in an accident caused by a driver who is underinsured or does not have sufficient insurance to cover your claims, this type of vehicle insurance will cover the medical payments resulting from the accident. Uninsured motorist coverage is required by law in 22 states, and the amount of coverage you must maintain typically corresponds to the liability limits in your state.
• Medical payments assist in covering the costs of treating injuries that you and your passengers sustained due to an automobile accident. This is true regardless of who was at fault for the accident. It is required in some states, while other states do not have such a requirement.

Discounts for Mercury Auto Insurance

Mercury offers a variety of discounts and savings opportunities to its customers in the form of auto insurance premium reductions. You can save money by doing things as simple as signing up for autopay or completing your application online. Both of these options are available online.

• Mercury Insurance will discount your premium if you cover more than one vehicle.
• You can be eligible for a reduction on your auto insurance premium if you bundle it with your home, condominium, apartment complex, and renter's insurance policy.
• Your auto insurance premium may be reduced if the car you drive is equipped with an anti-theft device.
• Good driver: If you drive safely and don't get into accidents or violate traffic laws, you could be eligible for savings.
• If your student driver students have earned a spot on the Dean's list, are in the top 20 percent of their class, or maintain a grade point average of at least 3.0, you may be eligible for discounts.
• Pay in full: If you pay for your annual term in advance and its entirety, you will have the opportunity to save money.
• If you sign up for autopay, there is a possibility that you will be eligible for savings.
• Saving money on insurance premiums is possible through electronic signatures on policy documents.

Conclusion

Collision, liability, and comprehensive car insurance are just some options Mercury Insurance provides, which also provides other types of coverage. This insurer also offers a rideshare protection add-on and several opportunities to receive premium discounts. Mercury, which is only sold in 11 states, has a reputation for poor customer service and has received some negative ratings.