Mercury Insurance Reviews – Auto Insurance – Login – File a claim – Phone Number

I would like to start by telling who and what Mercury Insurance company does – Mercury General Corporation is a multiple-line insurance company that sells personal automobile, homeowners, renters, and business insurance. In a nutshell, this post will help you with all you need to know about Mercury Insurance products and services. More so, it will guide you on how to login to your Mercury insurance account, file claims, as well as give you access to customer service phone numbers. Keep reading.Mercury Insurance Reviews

I will start by saying that Mercury Insurance is one of the best rates for auto and homeowner’s insurance out there. However, its poor customer service could be why many policy owners find it difficult to continue with their services.

Here is a breakdown of what this post covers:

  • Mercury Insurance Reviews
  • How to Login  – Mercury Insurance Login
  • Types of Insurance Policies Offered by mercury
  • Insurance Discounts
  • Customers Complaints & Reviews
  • Mercury Insurance Payment
  • How to File A claim -Mercury Insurance Claims
  • Mercury Insurance Phone Number

Mercury Insurance Reviews

As earlier stated Mercury insurance company offers several types of insurance including auto insurance for automobiles through a network of independent agents in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Since 1962, Mercury has specialized in offering quality insurance at affordable prices.

To go further, drivers have said several that Mercury has the most affordable auto insurance rates in the states where it’s available.

Thus, making it a great choice for price-conscious drivers. In other words, it comes with a customizable premium for the auto insurance policy. What do I mean? It simply means that policy owners who qualify for Mercury’s discounts could lower their premiums.

On the other hand, Mercury’s homeowner’s insurance policies carry low premiums and few discounts as well.

The Bottom line

However, while the above discounts stand as an attractive point for customers. It also comes with a downside giving its poor customer service.

In other words, drivers and property owners who value are very much interested in quality customer service will probably be dissatisfied with Mercury. Over the years that have contributed to the poor reviews, Mercury has received online and on other review sites.

In sum, the low rates can attract customers, but it’s customer service subject customers to look for a better or the same rate that still offers quality customer service.

In my own view, I would say, if you care much about customer service, then buying policies from Mercury Insurance might not be the best choice. Thus, you might as well look elsewhere.

Advantages of Buying Mercury Insurance Polices

  1. First, policies offered by Mercury are best for drivers who are looking for a low-cost auto insurance company.
  2. Its customizable feature makes it easy for customers to look for mechanical breakdown insurance.
  3. It offers rideshare coverage

Disadvantages of Buying Mercury Insurance Polices

  1. Below-average customer service and claims satisfaction.
  2. It’s a bad choice for homeowners looking for an online quote.
  3. No online claims filing.
  4. Limited coverage options and discounts.
  5. Must purchase a policy through an agent.
  6. Only available in 11 states.

It makes sense to say that Mercury offers two types of insurance coverage;

  1. Auto Insurance coverage
  2. Homeowners Insurance Coverage

Bet it as it may before we go into the types of policies offered by mercury. Let me first show you how to log in.

Mercury Insurance Login

To start with, you can log in when you visit the sign page at https://cp.mercuryinsurance.com. After visiting, click on “My Account”, then Login/register. Next, enter your username and password, and tap on the login button. After which you can proceed to file a claim, using the claim feature on the dashboard.

Mercury auto insurance coverage

Buying auto insurance can be complicated, but Mercury makes it simple. It’s in their best interest to help drivers with the right coverage at the right price. And Mercury auto insurance empowers drivers with the knowledge to understand exactly how each coverage protects them.

Furthermore, since there’s no such thing as a one-size-fits-all policy, Mercury offers a list of common coverage options. And provide you with the ability to create a policy that is a good fit for you.

Here comes the good news. The best of it all is that the Mercury mechanical protection endorsement is a feature not many other companies carry.

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Mercury mechanical protection

Here I’m going to talk about the mechanical protection you can find elsewhere, which includes coverage for major failures that can occur to your vehicle, like transmission problems.

Furthermore, Mercury mechanical protection offers several coverage levels for new and used vehicles, up to seven years or 100,000 miles, whichever comes first. Mercury mechanical protection also includes these additional benefits at no extra cost:

  • First, 24-hour roadside assistance.
  • Second, rental vehicle assistance.
  • Third, road hazard tire protection.
  • finally, trip interruption coverage.

Mercury auto insurance Coverage Info

To begin with, Mercury provides all the basics of auto insurance. While there is some state-by-state variance, most places require auto insurers to provide a certain level of coverage.

Such as collision, property damage, personal injury, uninsured and underinsured motorists. And comprehensive coverage. On the other hand, Mercury also covers liability protection, medical payments, and rental vehicles.

However, you must have either collision coverage or comprehensive coverage in order to add a rental car benefit to your insurance policy. Below are the coverage details.

Liability Protection – Pays for damage caused to others if you’re at fault in a covered loss, including the services of an attorney to defend you if sued.

Collision Protection – Covers damages to your vehicle incurred as a result of a covered loss, regardless of fault.

Comprehensive Coverage – Protects you in the event your vehicle is damaged by vandalism, theft, falling objects, damage caused by animals, civil disturbance, and damage from a fire, flood, or other covered peril.

Medical Payments Coverage – A supplemental coverage that can be added to an existing auto policy to help cover medical expenses arising from a covered accident.

Personal Injury Protection (PIP) – helps pay for your medical costs, and other expenses, after a car collision regardless of who was at fault for the accident.

Uninsured/Underinsured Motorists – Pays for bodily injury to you and other passengers and drivers of your insured vehicle for losses caused by uninsured or underinsured drivers.

Rental Car – Helps cover the cost of a car rental while your regular ride is out of commission due to a covered loss.

Additional Coverage

Roadside Assistance

Roadside Assistance is an optional 24/7 coverage you can add to your Mercury auto policy that will dispatch a roadside service professional to help get you back on the road. You can even opt-in via text to receive real-time status updates on your request.

Ride-Hailing Insurance

Ride-Hailing Insurance extends protection to drivers working for Uber, Lyft, and other ride-hailing companies. The additional coverage protects you and your vehicle for the period in which your ride-hailing app is on, but have not yet accepted a customer. Mercury Insurance can provide the coverage you need for as little as $0.90 a day!

Mercury Insurance discounts – How to Save more with Mercury

To begin with, while the company offers discounts, it doesn’t mean that has the largest discounts. But you can sure get optional coverage. Although, its availability varies by location. Below are ways drivers can save from the various discounts option offered to policy owners.

  • First, owning a home, even if it’s not insured with Mercury
  • Second, finalizing an auto policy with a digital signature
  • Insuring multiple vehicles with Mercury Insurance
  • Getting multiple types of coverage with Mercury, like auto and home
  • Equipping the insured vehicle with an anti-theft device
  • Finally, maintaining a high-grade point average

More so, policyholders can also save up to 5% by signing up for Mercury’s RealDrive program. What is the Mercury real drive program? The RealDrive tracks the number of miles driven, with fewer miles leading to cheaper rates. In other words, this may be of particular interest to drivers affected by coronavirus lockdown measures.

Other Discount Options – Insurance Discounts

Anti-Theft: Discount for having an anti-theft device in your vehicle. The amount of the discount varies.

AutoPay: Discount for setting up Autopay for your premium payments.

Pay in Full: Discount for paying your entire policy premium in one lump sum.

E-Sign: Discount for signing your policy documents electronically.

Multi-Car: Discount for insuring more than one vehicle with Mercury.

Multi-Policy: Discount for having multiple insurance policies with Mercury (e.g., auto-home insurance bundle).

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Good Driver: Discount for maintaining a clean driving record.

Good Student: Discount for students who maintain good grades in high school or college (e.g., “B” average or better).

Professional Occupation: Discount for groups such as educators, engineers, doctors, and more.

Note that discount amounts vary. Also, not all discounts are available in all states.

How do Mercury’s rates compare to its competitors?

Before embarking on writing this post. As such, I made a few research. And I came across data published on one of the authority sites I visited. And I deemed it important to include it in this post.

Insurance provider    Minimum coverage    Full coverage with one accident

GEICO          $188   $727   $959

CSAA              $227   $966   $1,220

Mercury        $263   $746   $1,286

Auto Club      $285   $874   $1,307

State Farm     $353   $1,008 $1,598

Mercury Insurance Quotes

I did my best to bring you a view of what insurance quotes from Mercury looks like. Although, the rates depend on several factors. As such, below are the Mercury car insurance quotes for six driver profiles, varying in age and driving record. Premiums, however, may vary by state and the level of coverage you decide to purchase.

AgeClean Driving RecordPoor Driving Record
21$321 / month$425 / month
30$180 / month$238 / month
42$153 / month$226 / month

Mercury Insurance Customers complaints

To begin with, Mercury had close to the expected number of complaints to state regulators for auto insurance relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. It had more than the expected number of complaints about home insurance.

In other words, the reputation for customer service from Mercury Insurance is measured by customer complaints. And according to customers, Mercury performs decently. Although, policyholders say often that they had witnessed service delays as the source of their dissatisfaction with Mercury.

Furthermore, Mercury car insurance was placed second to last in J.D. Power’s national industry satisfaction survey. Additionally, Mercury is also placed near the bottom of J.D. Power’s regional study. In California, where the insurer occupies a large market share, it was rated as the 14th best insurer of 16.

Mercury Homeowners Insurance Coverage

Mercury offers homeowners, renters, and condo insurance. There are also additional landlord insurance and coverage options for repairing home systems, fixing damaged service lines, protecting your identity, and protecting your cyber systems.

A homeowner’s policy from Mercury covers your home and personal property from covered losses, due to things such as fire, lightning, storm damage, theft, and more.

Mercury homeowners’ insurance also has liability coverage for injury and property damage to others while on your property, and it will cover any additional living expenses in case you can’t stay at home while repairs are being made.

There’s even a supplemental coverage option to protect luxury items and valuables, like fine art, antiques, and jewelry, that aren’t normally covered.

In addition to protection for your (and your guest’s) personal property, renter’s insurance from Mercury offers medical coverage in case someone gets injured while on a property you rent.

Mercury renter’s insurance policies also include worker’s compensation coverage in case a part-time employee, like a nanny or repairman, gets hurt while on the job at your rental property.

Similarly, with a condo policy from Mercury, the company will cover improvements you’ve made to the unit and any additional liability in case your condo association charges you for repairs made to common areas because of a covered loss.

All in all, these are solid coverage options at a reasonable price point.

Mercury Home Insurance Coverages

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

  • Coverage for large appliances and equipment repairs, including air conditioning systems, kitchen and laundry appliances, water heaters, electrical panels, and more.
  • Service pipe coverage pays for repairs or replacement of service lines such as sewer, water, and gas lines if damaged, up to $10,000 per claim. Without this coverage, you would be on the hook for these repairs, even though they connect to city-owned or utility-owned lines.
  • Extended replacement cost: pays up to 150% of your dwelling limit to rebuild your home.
  • Cyber coverage pays out if you’re the victim of an online attack such as online fraud or extortion, up to $50,000 with a $500 deductible.
  • Service line protection – Provides homeowners with $10,000 of coverage for damage to the exterior and underground service lines. Service line protection is an uncommon add-on, and it provides coverage for the following:
  • Pipes connected to a public water supply
  • Sewage piping that’s linked to a public sewer
  • Ground loop piping
  • Piping that provides heating in the form of natural gas, propane
  • Piping that supplies compressed air
  • Power lines
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Identity theft protection – Grants policyholders up to $25,000 in coverage for expenses that they incur as a result of identity theft. This endorsement, partnering with CyberScout, allows you to seek reimbursement for any of the following:

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

Additional coverage for valuables – Increases the protection allotted to high-value items, such as jewelry, firearms, art, and furs, which are only fractionally covered by a standard policy. It might interest that even in the future Mercury might extend to cover other valuable things. But for now, the list is what they cover.

Mercury home insurance discounts

To start with, Mercury offers relatively few discounts to its policyholders. However, local agents may be able to find shoppers with more discounts depending on their state.

However, while it’s not technically a discount. It is good to know that Mercury’s policyholders can also lower their insurance rates by selecting a higher deductible.

Mercury homeowner insurance discounts:

  • First, multi-policy (bundling) discount.
  • Second, protective devices discount.
  • Third, fire-resistant construction materials discount.
  • Fourth, a discount for owning a newer home.
  • Finally, gated community discount.

Mercury home insurance rates

To begin with, rates here are based on a case study. So, according to case studies published online and on authority sites. It is said that Mercury insurance rates are very affordable compared to other auto and home insurance companies out there. Why it is so, is what the stats down the line will open up to you. The table below will validate what I mean;

Insurance provider    Annual premium

Mercury        $1,187

State Farm     $1,550

Auto Club      $1,600

CSAA            $1,691

Farmers         $3,026

Mercury Insurance Rates By State

State               Average Monthly Cost

Arizona                     $188

California                   $174

Florida                        $348

Georgia                       $275

Illinois                           $173

Nevada                         $269

New Jersey                    $288

Oklahoma                  $155

Texas                          $215

Virginia                          $218

Payment Options

Online Payment – It’s so easy in that with your mobile phone and computer. As a result, you can make a payment from anywhere, so long as you have an internet connection. Be it as it may, they are people who wouldn’t want to pay online. On the other hand, they can pay via phone.

Phone Payment – Amazingly, you can pay premiums via telephone when you call the customer care unit. As such, you can locate the number to call down this page.

Mail Payment – On the other hand, you can mail your payment. As such, the mail for payment is down the page as well.

Person 2 Person Payment – How about a person 2 person payment. Infant, I will say that mercury payment is made easy as ABCD. In that, you have many ways you can use to pay your bills.

Mercury Insurance Claims – How to file a claim

Further, you can file a claim 24 hours a day, seven days a week. As a result, call our claims hotline at (800) 503-3724. Day or night, and we’ll be there to lend a hand.

Phone Number

Get a Quote

(800) 956-3728

Claims & Customer Service

(800) 503-3724

Bill Payment

To begin with, to make a payment, login, or register your account online. However, if you have a question about your bill or payment, please call (800) 503 – 3724.

Slide Off

Finally, I would advise to first and foremost compare with other insurers before you can buy Mercury’s policy. In other words, I do think that will help you make a wise decision instead of just buying policy blindly.

In the End

To cap it up, I really want to thank you for reading to this point. But before you leave this page. Do well to comment using the box below. And share it with your friends on WhatsApp, Facebook, or Twitter.

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