Mercury Insurance Company at a Glance
- Founded in 1962
- Offers a variety of insurance products
- Offers personal and business coverage
- Coverage available in 11 states
- “A” (excellent) rating by A.M. Best
- “A+” (excellent) rating by Better Business Bureau (BBB)
- Affordable premium rates
- 24/7 claims reporting
- Good customer feedback
- Several discounts available
Mercury Pros: More than half a century of experience in the insurance industry. High ratings through A.M. Best and the BBB. Offers several coverage options for individuals and businesses, including commercial auto insurance, umbrella insurance, personal auto insurance, and more. Offers 24/7 claims reporting via phone. Several discounts available. Good customer feedback. Reportedly lower premium rates than those offered by comparable carriers.
Mercury Cons: Not a BBB accredited business. Coverage not available nationwide.
What Types of Insurance Does Mercury Offer?
Mercury offers a variety of coverage solutions for individuals and businesses. Their products include:
- Homeowners insurance
- Auto insurance
- Renters insurance
- Condo insurance
- Business insurance
- Business auto insurance
- Landlord insurance
- Umbrella insurance
Your independent insurance agent can help you decide if Mercury has the right type of coverage to best meet your needs.
What to Know about Mercury Insurance
Mercury Insurance was founded in 1962, giving the carrier just under 6 decades of experience in the insurance industry. The insurance company offers a sizeable catalog of coverage options for individuals and businesses, including umbrella insurance, homeowners insurance, commercial auto insurance, and more. The insurance company is headquartered in Brea, CA.
Today, Mercury offers its products in 11 states across the US. As of third quarter 2020, the insurance company had a reported $942,888 in net premiums written. The carrier has more than 2,500 employees on its LinkedIn network. Mercury works exclusively with independent insurance agents, which helps to provide customers with a more personalized and complete experience while shopping for, and maintaining, their coverage.
Thanks to its history, amount of insurance in-force, and catalog of coverages offered for individuals and businesses, Mercury has become known as a financially sound insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Mercury an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Mercury is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance carrier.
Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound insurance company in the long term.
What Discounts Does Mercury Insurance Offer?
Mercury offers many competitive discounts on their coverages, especially for auto insurance. These discounts include:
- Anti-theft feature discount: Offered to auto insurance customers who install anti-theft devices in their vehicles.
- Good student discount: Offered to auto insurance customers who are young drivers and do well in school.
- Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Mercury.
- E-signature discount: Offered to auto insurance customers who complete their important paperwork with E-signature.
- Good driver discount: Offered to auto insurance customers who remain accident-free and ticket-free for a specified amount of time.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Mercury, as well as provide you with quotes and help answer any other questions you may have.
Mercury Insurance Customer Service
Mercury allows their customers to file claims over the phone at any time. The carrier provides the following customer service options:
- 24/7 phone claims reporting.
- Email contact option.
- Online bill pay.
- Snail mail contact option.
- Customer service department has the following hour restrictions:
|Monday-Friday||5 am - 9 pm|
|Saturday||5 am - 9 pm|
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Mercury Insurance FAQ
What is Mercury's average claims response time frame?
Mercury allows customers to file claims at any time over the phone. The carrier’s official website states that customers will be assisted with claims within “no more than 15 days” after filing, and a final verdict will be reached within “no more than 40 days.”
What is Mercury's customer service availability?
Mercury’s phone line for customer service issues is available at generous hours on weekdays, and even additional hours on Saturdays. The insurance company allows customers to file claims over the phone at any time. The carrier also has a comprehensive social media presence on Facebook, Twitter, Instagram, and LinkedIn, which makes them even more accessible to customers.
What is Mercury's claims process?
Mercury allows customers to file claims through a couple of different mediums. The carrier’s official website, however, does not outline a specific claims process beyond how to file. If customers have questions about the claims process, they can reach out to their independent insurance agent or contact the carrier directly.
Does Mercury Insurance create a user-friendly experience for customers?
Mercury’s website is highly intuitive and easy to navigate. Pages are fleshed out well enough to provide satisfactory details for customers, and important information is simple to locate. Mercury’s website would benefit from adding a detailed claims process, however. The insurance company offers several modern customer service options such as weekend customer service hours, plus get-a-quote and find-an-agent online features. The carrier works exclusively with independent insurance agents to ensure their customers are taken care of as much as possible. Mercury also has a strong presence on social media, overall making for a very user-friendly experience.
Does Mercury have good auto insurance?
Mercury provides a good selection of coverages for individuals and businesses, including personal auto insurance. The carrier’s auto insurance policies come with the following coverages:
- Liability protection
- Collision protection
- Comprehensive coverage
- Medical payments coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
- Rental car coverage
- Roadside assistance (optional)
- Ride-hailing insurance (optional)
Your independent insurance agent can help you find even more information about Mercury’s auto insurance, as well as their many other coverages.
Is Mercury a good insurance company?
Mercury has been around for more than half a century now. The insurance company is highly rated by A.M. Best and the BBB. Mercury also provides a sizeable selection of coverage options for individuals and businesses. The carrier provides a highly user-friendly experience for its customers and works with independent insurance agents. All together, Mercury can indeed be considered a good insurance company.
Mercury Insurance Customer Reviews
|“My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can. We also have our homeowners insurance with Mercury. Our rep. has been exceptional and have had excellent service for all these years.”|
|“I believe the premium rates are among the lowest in the industry because there have been times I've compared. I have a very good driving record but when I had a collision recently that wasn't at fault, they were very prompt and dependable, and made sure I got the best outcome possible while seeming to care a lot about making sure any injuries I might have received attention and compensation. Their customer service is excellent.”|
|“I have been with this insurance company more than 10 years and they have always taken great care of me with great service, kindness, professionalism, and have handled all my issues with concern and care.”|
|“I have been with Mercury Insurance Company for over 40 years. The last time I received a renewal notice I decided to see if I could get a better price. I checked with Auto Club, Allstate and several other companies. Mercury had the best price for the coverage that I desired.”|
|“They go way out of their way to help you not only with coverage but support when you need it. The rates are fair. My agent is so wonderful. They make you feel like they are their only customer.”|
TrustedChoice.com's Final Review
We award Mercury Insurance a final rating of 4.22 out of 5 stars. Mercury has been in the insurance industry for more than half a century now, which is certainly noteworthy. Though coverage is only available in 11 states, Mercury provides several insurance solutions for customers within those areas, including personal and business products. The carrier is highly rated by A.M. Best and the BBB and has demonstrated solid financial strength over the years. Mercury offers 24/7 claims reporting via phone and match with an agent and request a quote services through their website. We also love that the insurance company works exclusively with independent insurance agents, to help their customers have the best experience possible from every angle. Further, there are many glowing customer reviews easily spotted across the web, and many reports of Mercury having the most affordable coverage around when compared to other carriers with similar products. Overall, we highly recommend looking into Mercury Insurance with your independent insurance agent to be your next trusted carrier.
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