Mercury Insurance Auto: The Comprehensive Guide

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Are you in the market for auto insurance? With so many options available, it can be difficult to know where to start. One company that stands out from the rest is Mercury Insurance. In this comprehensive guide, we will take a closer look at Mercury Insurance auto policies, coverage options, discounts, claims process, and more. Read on to discover everything you need to know about Mercury Insurance auto.

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What is Mercury Insurance Auto?

Mercury Insurance is a California-based insurance company that has been providing affordable and reliable auto insurance coverage since 1962. Over the years, the company has expanded its reach to other states, including Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Mercury Insurance auto policies are designed to meet the needs of different drivers, whether you’re a new driver or have multiple vehicles. The company offers a range of coverage options, from liability insurance to full coverage that includes collision and comprehensive coverage.

Why Choose Mercury Insurance Auto?

Choosing the right insurance company is a crucial decision for any driver. Here are some of the reasons why you should consider Mercury Insurance:

  • Excellent customer service
  • Competitive pricing
  • Flexible payment options
  • Comprehensive coverage options
  • Easy claims process

Mercury Insurance Auto Coverage Options

Mercury Insurance offers a range of coverage options to meet the needs of different customers. Here’s a closer look at some of the coverage options available:

Liability Insurance

Liability insurance is the most basic coverage offered by Mercury Insurance. This coverage protects you if you cause damage to another person’s vehicle or property. It also covers any injuries sustained by the other driver or their passengers.

Mercury Insurance recommends that drivers select a liability coverage limit that’s higher than the state minimum. This will ensure that you’re fully protected in case of an accident.

Collision Coverage

Collision coverage covers the cost of repairs to your vehicle if it’s damaged in a collision with another vehicle or object. This coverage is typically required by lenders if you have a car loan.

With Mercury Insurance, you can choose a deductible that works for you. A higher deductible will lower your monthly premium, but you’ll have to pay more out of pocket if you need to file a claim.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision events, such as theft, vandalism, and damage from natural disasters. This coverage is also typically required by lenders if you have a car loan.

Like collision coverage, you can choose a deductible that works for you. The higher the deductible, the lower your monthly premium.

Rental Car Coverage

Rental car coverage is an optional coverage offered by Mercury Insurance. This coverage will pay for a rental car if your vehicle is in the shop due to a covered loss.

If you rely on your car for your daily commute or other essential tasks, rental car coverage can be a lifesaver.

Mercury Insurance Auto Discounts

Mercury Insurance offers a variety of discounts to help you save money on your auto insurance premium. Here are some of the discounts available:

Good Driver Discount

If you have a clean driving record for the past three years, you may be eligible for a good driver discount.

This discount can save you up to 10% on your premium.

Good Student Discount

If you’re a full-time student with good grades, you may qualify for a good student discount.

This discount can vary depending on your location, but it can save you up to 15% on your premium.

Multi-Car Discount

If you have more than one car insured with Mercury Insurance, you may be eligible for a multi-car discount.

This discount can save you up to 27% on your premium.

Mercury Insurance Auto Claims Process

If you need to file a claim with Mercury Insurance, the process is simple and straightforward. Here’s what you need to do:

Step One: Report the Claim

First, you’ll need to report the claim to Mercury Insurance. You can do this online, over the phone, or through the company’s mobile app.

Be sure to provide as much information as possible about the accident or incident, including the date, time, location, and any other relevant details.

Step Two: Get an Estimate

Mercury Insurance will assign an adjuster to your claim, who will contact you to arrange for an estimate of the damage to your vehicle.

The adjuster will provide you with a list of approved repair shops, or you can choose your own if you prefer.

Step Three: Get Your Vehicle Repaired

Once you have an estimate, you can get your vehicle repaired at an approved repair shop. If you choose your own repair shop, be sure to get approval from Mercury Insurance before proceeding.

Step Four: Pay the Deductible

If you have collision or comprehensive coverage, you’ll need to pay the deductible before Mercury Insurance will pay for the repairs.

The amount of the deductible will depend on the coverage level you selected when you purchased your policy.

Step Five: Get Back on the Road

Once your vehicle is repaired and the deductible is paid, you’ll be ready to get back on the road. Mercury Insurance will handle the rest of the claim process.

Mercury Insurance Auto FAQ

What states does Mercury Insurance operate in?

Mercury Insurance currently operates in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

How do I get a quote for Mercury Insurance auto?

You can get a quote for Mercury Insurance auto online, over the phone, or through the company’s mobile app.

Does Mercury Insurance offer roadside assistance?

Yes, Mercury Insurance offers roadside assistance as an optional coverage.

What types of vehicles does Mercury Insurance cover?

Mercury Insurance covers a variety of vehicles, including cars, trucks, SUVs, and more.

What is the claims process for Mercury Insurance auto?

The claims process for Mercury Insurance auto is simple and straightforward. You’ll need to report the claim, get an estimate, get your vehicle repaired, pay the deductible, and get back on the road.

Does Mercury Insurance offer discounts for students?

Yes, Mercury Insurance offers a good student discount for full-time students with good grades.

Conclusion

Mercury Insurance auto policies are designed to meet the needs of different drivers, with a range of coverage options and discounts available. Whether you’re a new driver or have multiple vehicles, Mercury Insurance offers excellent customer service, competitive pricing, and flexible payment options. If you’re in the market for auto insurance, be sure to consider Mercury Insurance.

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