American Mercury Car Insurance Review [2023]
American Mercury car insurance is offered in eight states. Mercury car insurance only allows predetermined repair shops to fix vehicles they insure.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 27, 2023
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- American Mercury Insurance offers auto insurance in eight U.S. states
- The company does not allow customers to purchase coverage online
- Most of the company’s positive online reviews mention low premiums
Currently, American Mercury insurance offers both private and commercial auto insurance in eight states: Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, and New York.
It is a smaller insurance company and offers very competitive rates. A driver looking for an insurance policy that won’t break the bank may want to consider American Mercury insurance.
The American Mercury website is very user friendly, and you are able to get an online quote.
However, you must go through a personal American Mercury Auto Insurance agent to purchase coverage. There may be some complaints with this process, but sometimes an independent agent can be more help than a computer, or working with numerous chat agents.
Though, it does allow you to report a 24-hour claim service.
What does American Mercury offer in terms of insurance?
You can not only get an auto insurance quote from Mercury, but you can also look into their services for your home and business too. That means that if you need an auto policy, you can also bundle in add-ons in terms of additional coverage as well. So you could end up with a policy that provides you with auto and homeowners insurance. Or home and business insurance; the possibilities are only limited to what you need covered.
Mercury Auto insurance still utilizes agents, but it allows it customers to pay bills online and review their policy through their online services.
American Mercury Auto also has about a 60 percent positive feedback rating online. Most of the positive reviews focus on low rates.
The negative customer reviews, however, focus on their customer service, claims department, and claims payment.
When it comes to claims, American Mercury has predetermined auto repair shops. Not many insurance providers will do this, since is can tack on additional expense for their clients.
This is supposed to improve and speed up the claims process after an accident. However, not allowing the customers to choose their own repair shops seems like a way to control cost rather than improve customer satisfaction. Which could understandably lead to a less than favorable auto insurance review from the customer’s end.
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What is the final word on American Mercury as a company?
Overall, American Mercury insurance is not a bad company despite having some customer complaints. They offer affordable rates to their customers and seem to have a decent financial strength rating, as well as a wide range of coverage options. Though the varied customer service and claims reviews can be worrisome, you can always look at their overall business profile to determine whether or not they’re the company for you.
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- https://www.mercuryinsurance.com/
Frequently Asked Questions
Is American Mercury a reliable insurance company overall?
American Mercury is generally considered a decent insurance company with competitive rates and a range of coverage options. However, it’s important to note that customer experiences can vary, particularly in terms of customer service and claims satisfaction. Evaluating their overall business profile and financial strength rating can help determine if they are the right company for you.
Does American Mercury have preferred repair shops for claims?
Yes, American Mercury has predetermined auto repair shops for claims. While this may streamline the claims process, some customers may prefer the flexibility of choosing their own repair shop.
Are there any customer reviews available for American Mercury Car Insurance?
Yes, there are customer reviews available for American Mercury Car Insurance. Most positive reviews highlight the company’s low premiums. However, some negative reviews mention concerns about customer service, claims department, and claims payment.
Can I bundle my auto insurance with other types of coverage through American Mercury?
Yes, American Mercury allows bundling of auto insurance with other types of coverage, such as homeowners insurance or business insurance. Bundling can often lead to cost savings and convenience.
Does American Mercury offer discounts on car insurance policies?
Yes, American Mercury offers various discounts on car insurance policies. These discounts can help reduce your premium and may include safe driver discounts, multi-policy discounts, and more. Contact an American Mercury agent to inquire about available discounts.
Can I add additional coverage options to my American Mercury car insurance policy?
Yes, American Mercury provides additional coverage options that you can add to your car insurance policy. These may include comprehensive coverage, collision coverage, roadside assistance, rental car reimbursement, and more. Discuss your coverage needs with an American Mercury agent.