American Family vs Mercury Car Insurance for 2023

Car insurance is a necessary expense for all drivers, but with so many options available, it can be difficult to determine which provider is right for you. Two popular options are American Family and Mercury car insurance.

• American Family is known for its personalized coverage options that allow customers to customize their policies to fit their specific needs.
• Mercury offers a range of additional coverage options that are not typically found with other insurance providers, including mechanical breakdown protection and rideshare coverage.
• Both American Family and Mercury are highly rated by industry experts and offer exceptional customer service to their clients.

In this review, we will explore the history, mission, products, services, and customer reviews of both companies to help you make an informed decision about which provider is best for your needs.

History and Mission of American Family and Mercury

American Family Insurance was founded in 1927 in Madison, Wisconsin. Its mission is to inspire, protect, and restore dreams by providing customers with peace of mind and financial security through insurance and other financial products.

The company offers a wide range of insurance products, including auto, home, renters, life, and business insurance. It operates in 19 states across the country and has over 11,000 employees.

Mercury Insurance Group was founded in 1961 and is headquartered in Los Angeles, California. Its mission is to protect customers by providing quality insurance products at a fair price and delivering exceptional customer service.

The company offers auto, home, renters, and business insurance, as well as a range of additional coverage options. It operates in 11 states and has over 6,000 employees.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Products and Services by American Family and Mercury

Let’s dive into the specific products and services offered by both American Family and Mercury.

American Family offers a range of auto insurance products, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.

Liability coverage is required in most states and covers damages that you cause to other people or their property in an accident. Collision coverage covers damages to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive coverage protects against non-collision events, such as theft, vandalism, or weather-related damage.

Uninsured/underinsured motorist coverage protects you in the event that you are in an accident with someone who does not have insurance or does not have enough insurance to cover the damages. Personal injury protection (PIP) covers medical expenses and lost wages in the event of an accident.

Mercury Insurance offers similar coverage options to American Family, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. In addition to these standard coverage options, Mercury offers several unique coverage options.

Mechanical breakdown protection is an optional coverage option that covers the cost of repairs to your vehicle after a mechanical breakdown, even if it is not related to an accident.

Rideshare coverage is another unique option that provides coverage for drivers who use their personal vehicles for ridesharing services like Uber or Lyft. Pet injury protection covers the cost of veterinary expenses if your pet is injured in an accident.

Both American Family and Mercury offer a wide range of insurance products to fit the needs of their customers.

Whether you’re looking for basic coverage or unique options like mechanical breakdown protection or rideshare coverage, both providers have options to fit your needs. It’s important to carefully consider your options and choose a provider that offers the coverage you need at a price you can afford.

Cost of American Family and Mercury Insurance

When it comes to the cost of car insurance, there are a number of factors that can impact your rates, including your driving history, age, location, and the type of vehicle you drive.

Because of these variables, it can be difficult to make a direct comparison between the cost of insurance from American Family and Mercury.

However, we can look at some general information about each company’s pricing and discounts to get a better understanding of what you might expect.

Both companies offer a range of discounts to help customers save on their premiums, and their average rates are both close to the national average. It’s important to carefully consider your options and choose a provider that offers the coverage you need at a price you can afford.

Discounts Available

Both American Family and Mercury offer a variety of discounts to help customers save on their car insurance premiums. Here’s a closer look at some of the discounts available from each company:

American Family Discounts:

• Multi-policy discount: Customers who bundle their auto insurance with other insurance products from American Family, such as home insurance, can save money on their premiums.
• Safe driver discount: Customers who maintain a clean driving record for a certain number of years can qualify for this discount.
• Defensive driving discount: Customers who complete a state-approved defensive driving course can qualify for this discount.
• Good student discount: Full-time students who maintain a certain grade point average can qualify for this discount.
• Young volunteer discount: Customers under the age of 25 who volunteer for a certain number of hours each year can qualify for this discount.
• Vehicle safety discount: Customers who have certain safety features on their vehicles, such as anti-lock brakes or airbags, can qualify for this discount.

Mercury Discounts:

• Multi-policy discount: Customers who bundle their auto insurance with other insurance products from Mercury, such as home insurance, can save money on their premiums.
• Safe driver discount: Customers who maintain a clean driving record for a certain number of years can qualify for this discount.
• Good driver discount: Customers who have not had any accidents or violations in the past three years can qualify for this discount.
• Good student discount: Full-time students who maintain a certain grade point average can qualify for this discount.
• Anti-theft device discount: Customers who have certain anti-theft devices installed on their vehicles can qualify for this discount.
• Professional group discount: Customers who are members of certain professional organizations can qualify for this discount.

It’s worth noting that these are just a few of the discounts available from each company, and the specific discounts and eligibility requirements may vary depending on your location and other factors.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

FAQs

Here are some frequently asked questions (FAQs) about American Family and Mercury car insurance:

American Family FAQs:

Q: What types of auto insurance coverage does American Family offer? A: American Family offers a variety of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP) coverage, and uninsured/underinsured motorist coverage.

Q: How can I file a claim with American Family? A: You can file a claim with American Family by calling their claims department, filling out a claim form on their website, or using their mobile app.

Q: Does American Family offer any discounts on car insurance? A: Yes, American Family offers a variety of discounts, including a multi-policy discount, safe driver discount, good student discount, and more.

Q: Does American Family offer roadside assistance? A: Yes, American Family offers roadside assistance as an optional add-on to their car insurance policies.

Mercury FAQs:

Q: What types of auto insurance coverage does Mercury offer? A: Mercury offers a variety of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP) coverage, and uninsured/underinsured motorist coverage.

Q: How can I file a claim with Mercury? A: You can file a claim with Mercury by calling their claims department, filling out a claim form on their website, or using their mobile app.

Q: Does Mercury offer any discounts on car insurance? A: Yes, Mercury offers a variety of discounts, including a multi-policy discount, safe driver discount, good student discount, and more.

Q: Does Mercury offer roadside assistance? A: Yes, Mercury offers roadside assistance as an optional add-on to their car insurance policies.

Roundup: American Family vs Mercury

In conclusion, both American Family and Mercury car insurance companies offer a range of products and services to their customers. American Family is known for its strong reputation, high customer satisfaction ratings, and comprehensive coverage options.

On the other hand, Mercury is known for its affordable rates and discounts, particularly for safe drivers and good students. Both companies have a strong online presence, making it easy for customers to manage their policies and file claims.

Overall, both American Family and Mercury are reputable car insurance providers that offer a range of products and services to their customers. By taking the time to research your options and compare quotes, you can find the right car insurance policy to fit your needs and budget.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption