Mercury Car Insurance Reviews

Don't even try to cancel your policy. It's harder than pulling teeth. The model they use is you sign up with insurance through the parent company "Mercury Insurance" and once you have your policy, they assign you to a local Agent. The local Agent IS NOT MERCURY. They are privately owned insurance companies. Dealing with the local insurance agent is a NIGHTMARE! It almost seems like they work out of a basement at their parents' house. The runaround and headaches with trying to do anything with your policy is an absolute nightmare! STAY AWAY FROM THIS COMPANY AT ALL COSTS... Spend the extra $50 and go with ANY OTHER insurance company. DISASTER they are!

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. Insuraide. They make you feel like they are their only customer.

So my vehicle was involved in an accident early May of this year. I filed a claim and was okay with Mercury not paying for any damages or covering the cost on MY vehicle because the driver was not under my insurance policy. Totally acceptable and I agreed with that. 2 weeks later I receive a call from Enterprise saying Mercury had put in a request for me to get a rental due to the loss my car. I confirmed with them that it was true and was told it was and that it would be covered $30/day. I agreed and picked up the car two days later than when I was first notified.

I’m so beyond disappointed on how Mercury is handling my claim. One of their claim holders ran a stop sign and slammed into my brand new vehicle. Being my only vehicle it has cause me so much hardship and out of pocket expenses that they have prolonged and are trying to find ever reason not to cover. The police report puts their driver at fault. I don’t know what else they need to know. They need to cover this accident. My accident was 03/08/2019 and still nothing to be resolved... After reading hundreds of reviews this seems to be their MO. Something has to be done about this. Mercury cannot be doing this to innocent individuals who have had their lives turned upside down due to one of their claim holder's negligence... I will not stop till I have this company audited for the elongated waiting times they make people for a settlement. All I want is to be reimbursed for my out of pocket expenses.

I am changing insurance companies after being with Mercury Insurance for years and have never made claim. My son had an accident and the response from our agent assigned to the case was very poor. Poor response, communication and very poor advocacy. We were the only ones who took any pictures and had a witness.

I hate this company! I was told by a customer service rep to go and get a certified copy of my DMV report and submit it to them... Total waste of time!!!! Waiting in line, paying for the report, and wasting my time faxing it to them just to find out it’s nothing they can do about it! I wouldn’t recommend this overpriced company to anyone. Their reps have absolutely no knowledge of the things they are telling you... Bad customer service and a waste of my time. I am definitely looking for another company today!!!

My mother is elderly 83 years old, I have to assist her with her affairs, including business. She’s had Mercury for a number of years. Never had to file a claim, until December 2018. She was not at fault for the accident. Unfortunately, was referred to a terrible health clinic for treatment. To date, the claim has not been settled because the clinic has basically closed down, and Mercury insists they can’t give her more than $1,000.00 because she has no proof of medical treatment. Before the clinic closed, they provided proof her visitations. They didn’t provide the actual records showing the type of treatment or costs. I don’t know why it should matter, they know she went several times. Ultimately, my mom will be responsible for her medical bills. As well as any continued pain or suffering.

My active claim with date of loss, 12/20/2018 is going on 3 months for a minor accident where I am the victim. The Mercury claims associate who was assigned to me has not resolved or given me any updates for my claim unless I call him about it. He then states he sent me an email on 3/1/2019 which I didnt get and stated we have to wait for Formosa Insurance to respond. He then quickly gave me the Formosa Insurance information so I can make a call doing his job, stating he cannot call everyday on this issue.

Will not call back. Horrible customer service. Seriously leaving us with an undrivable car. Will not answer about a rental car. They said they will get back in 24 hours, 5 days later they will talk to you.

Have 4 cars insured with Mercury for years. Always have paid on time, with no prior claims. Had a loss on 12/20 which Mercury still hasn't approved. Had no communication with Mercury except for 1 short email. I have filed a complaint with DOI, still waiting for outcome. Definitely would pass on Mercury ins. Many better companies out there.

I was badgered because I had 2 cars at a jobsite in Sonoma County to do fire reconstruction. My other two cars were parked at my house miles away and one more at a small airport so I could commute home in my plane. They found this unacceptable and were reluctant to insure me (basically being suspicious) and my agent & I had to explain my situation more than once in writing before they would accept my explanation. Then upon 6 month renewal, I had to fill out forms explaining who did and did not live at the two addresses where my vehicles were parked.

It’s worst company for auto insurance company. They will send everything through mail the documents and they think that every customer reads it. The agents are one more headache. They don’t know anything about the insurance and their policies. They charge 10% fine for the cancellation. This one agent never told me. This is ridiculous and also if you are adding new driver they will double the premium.

Two years ago Mercury was the cheapest insurance for me for full coverage. And now it is the most expensive. I am going to change companies. The people are not honest and it is expensive! My rates have gone down everywhere else except Mercury.

Mercury Insurance is one of the most dishonest, unethical, cheapest, ugly companies in America. More than a year and a half ago, I was rear-ended hard by one of their policyholders, and torpedoed a couple of lanes over into a County truck. I was hurt, my car demolished, and all witnesses, photos, and CHP attributed liability to the Mercury policyholder, who in addition was using a cell phone. Still, Mercury hasn’t paid and today made an absurd offer of ten thousand for medical bills, injuries, and then there’s the totaled car… along with two years of extra trauma from their withholding resolution. I should receive damages for having to deal with Mercury, and all persons and lawyers with whom I’ve spoken confirm the same as Mercury’s awful reputation.

In June of 2018 a Mercury insured driver was making a left hand turn from supposedly a stop, drove across 2 lanes on a city street and hit a brand new Jeep Cherokee which was shot into the rear of my Toyota Tacoma. The Jeep then went into a guard rail. The impact shot my truck into the guard rail. The woman never applied brakes. She hit the Cherokee so hard it knocked the rear wheel assembly off the vehicle and shot it into me 6 feet away then hit the rail. I took my truck to a body shop and the damage is over $7,000 dollars to mine. The Cherokee was a total loss, the drivers 2018 Nissan suv is a total loss. Mercury said mine would be a total loss also.

A client of Mercury rear-ended my truck a few months ago. The driver was not only drunk, but belligerent, yelling and cursing me in front of my children. The driver tried to leave the scene, but bystanders stopped the driver. Since the accident, my daily routine has been altered and I can't do things like I was able to, without assistance. Mercury does not want to cooperate with my attorneys, even though their client is 100% at fault.

I had worked with several insurance company before but this company was worst. Lack of customer service and professionalism. They don't respond for first e-mail you send. You need to ask for response before you get any response from them. I wouldn't recommend at all.

I had three cars and two houses, multiple policies with Mercury for over twenty years. I never had accident or traffic tickets. For some reason Mercury keep raising my premium every year. Even with a professional degree discount my premium become much more expensive than other insurance. I decided to contact Mercury agent see if they can lower my premium, after getting shorter miles of driving etc., the new premium came back even higher. I decided to take my business to another insurance company with the same coverage, and very surprise that my premium from my new insurance company is 40% cheaper. I should of do some research a long time ago. Don't stay with Mercury you will end up paying a lot more money, especially if you are minority.

Mercury is a fantastic insurance company. I have been using Mercury for about ten years now. The renewal has always been easy until this year. The coverage cost went seven hundred dollars, it was 350 for the previous years. I was quite frustrated with this for it caused a great strain on the payment process. There has to be cheaper insurance. I will shop for new insurance next year. But other than that it is an easy process to make payments.

In late September, another driver hit the front side of my car. This is not the first time another car has hit me. The other car's insurance is denying fault, although they are 100% at fault. Mercury Auto Insurance is telling me, in order to fix my car I must pay a $500 deductible, even though the other driver is at fault. Until I can come up with a $500 deductible, Mercury Insurance is closing my case. I have 1 year to come up with $500. Mercury is also unwilling to go after the other driver until I come up with the deductible. In the meantime, I am a struggling student, possible 5th cancer diagnosis, and barely getting by. I am not pleased. Thanks for nothing Mercury.

Over a month ago I was rear ended by a client of Mercury Insurance. In that month they have done everything they can to stretch out settling the claim even though it was their shop that determined my car was a total loss. I never get a call back. The adjuster missed screen his calls. I always get voice mail till today... I called 25 times in frustration and was told that even though their client opened the claim they have been unable to contact him to get a statement. And without a statement from him... keep in mind I got rear ended... they won't settle.

I had an auto insurance policy with Mercury for nearly two years. Today, I received a letter that my policy had been canceled due to lack of payment. As far as I knew, my account had been on auto-pay and drafting just fine. After reaching out to the company, they informed me that a customer support agent had taken my account off of auto-pay during a previous call. This was not made clear to me and I received no related notifications or warnings before my account was canceled. Mercury refused to reinstate my account (even after I offered to pay the missed payments in full), reduce the remainder they said I owed, or help me in any way whatsoever.

I want to point out that my brother lives with me. Owns his own car and has his own insurance. So I was backing out of my garage, over corrected and scrapped my brother's car. Not thinking of anything other than “crap my insurance is gonna go up for a claim” turned in the claim. No big deal right? WRONG. Long story short the adjust came back after an investigation had to be done because Mercury needed to verify if my brother was considered an “insured” and now this crooked company isn’t going to cover to have my brother's car fixed. Even my brother carrier The General didn’t understand their issue. I knew I never should have changed from Nationwide. The “savings” was not worth it!

I recently was involve in an accident (rear ended on the freeway) and not my fault. When I contacted my insurance company (Mercury Insurance) they gave me a claim number and I took my car to a Body Shop for their Appraiser's estimate. After receiving a call from the body shop regarding the estimate, I noticed that they have giving me an estimate with 99% of the parts being "USED" coming from a JUNKYARD rather than using even aftermarket parts. I quickly called my claim adjuster person (Mike **) and left him a message to call me regarding the USED Parts. He never called me back. I finally called an attorney and they told me that Mercury Insurance have asked the Rent a car company to charge me for the rental since I disputed their appraisal estimate. Most insurance companies are rip offs any way you can imagine. This company is the queen of them all.

I recently got into an accident and I filed a police report. The reporting officer told me that our insurance should get the report in about one week. I just called them and they stated, "We won't receive the report in about 3-4 weeks." Yesterday I went to the police department and I was able to get the complete and finished report. They wanted me to fill out the DMV accident form to see how much cost of damage does the car have. I called my agent and I asked if they are going to send someone to come inspect my car to see the cost of repair because I don't know what to do with the DMV form. She stated, "Oh... You can just look at the car and see how much you are going to spend." You don't know how aggravated I was when she told me that but I remained calm on the phone. Overall point is that I am pretty much doing their job in sending them the report and pictures on the damage of my car.

I was hit by someone with their insurance. Worst nightmare. Those people are rude and incompetent. Going on months now and still not settled that's why I threw them away years ago. They do everything to pay as little money on your claim as possible. Not even the cost of repair. Always stating that's from normal wear and tear. Uuuggghhh! Wasn't like that before. Your client backed up into me at a high rate of speed and then tried to run on expired tags so they can't claim he was not at fault but they can claim that damages done are not related to accident and try to put it as wear and tear. I am pulling my hair out dealing with these people. They never call you back or answer your calls. Worst company ever.

I’ve been paying for my insurance with Mercury for many years. I’ve avoided countless car accidents and have not had a ticket in over a decade. I’ve probably used about $500 worth of claims for 3 tows and locking my keys in the car. So I’ve paid tens of thousands of dollars to receive $500 worth of service. I get one speeding ticket, just one, 80 in a 55 zone on a backroad to Vegas and Mercury is choosing to ** me by increasing my monthly premium but almost 50%! Yes I take responsibility for my ticket, but for a company I have been loyal to, to turn around and decide they are going to increase my premium that much because they can... it just doesn’t sit well with me. As a customer I feel unappreciated and used for the amount of money I’ve paid over the many years. I highly don’t recommend this company to anyone and will be writing on every site possible to make sure I share my experience.

We had been loyal customers without a claim for 6 years. We even used them for our commercial vehicle insurance. When it came time to finally use our coverage when we had a hidden leak behind our kitchen cabinets, they automatically denied our claim because the leak was over two weeks old, even admitting that there was no way we could have know about it sooner. They did nothing to make us feel like we got any type of service.

Mercury is beyond HORRIBLE! I rarely take the time to give a review, but this company is terrible! I got a new car, and they charged me to update my policy! Also, my record of an accident from three years ago fell off my record and they refused to update my policy until the end of the six month limit. So they will up your rate for adding a new car, charge you an extra fee for adding that car, then ream you for anything they can, regardless if it fell off your record! I finally canceled my policy because State Farm doesn't play dirty pool like Mercury... AND THEY HAD THE NERVE TO CHARGE ME A CANCELLATION FEE!! To top it off, there is NO ONE you can talk to over there about this. They say it's just their policy and that's the way it goes. So you're not a person in their eyes, just a number. TERRIBLE!

I have had Mercury insurance for several years now and fortunately have not needed them until recently. And, since accidents are not something I am usually involved in I do not have comprehensive coverage. I got into an incident recently and the person who hit my car and I have vastly different explanations as to what happened. I was going across a street from an alley onto an alley and was more than halfway across the street when I was hit by a truck. The other driver and I were unhurt and we exchanged insurance and driver's license info. I spoke with Mercury almost immediately to start a claim and was told a claim's adjuster would contact me in the next day or two.

Mercury Insurance gave me obscene coverage for a very low price. The web app is very clear and easy to navigate. Customer service is good although hardly necessary.

We had Mercury Insurance for all of our cars for many years, I believe more than two decades. We were happy with them for a long time, but things have changed greatly and not for the better. We added on our daughter, a new driver, for coverage, and of course, our rates rose dramatically. We get that. She had two minor accidents. The first one happened in the college parking lot where she tapped a parked car. She waited till the other owner returned to her car because she is honest. The other one involved a lane change that was considered her fault.

I've been a long time customer of Mercury for both my auto and homeowners policies. I had a slab leak August of last year and finally had to use my homeowners policy. I've had the worst customer service experience one can imagine. Still living with torn up floors and walls. I am extremely dissatisfied!

I tried to get other estimates but nothing came close to Mercury. They have been responsive and timely with claims and their customer service is good. The claims person came to the auto body shop and worked things out with them. I have been with Mercury for over 20 years probably and I have three cars covered.

A client of Mercury Auto Insurance hit my parked car in a parking lot, left a fake business card to make it appear as though he was leaving his information, leading me on a 3 day chase to find him. I obtained a rental car while my car was in the shop being fixed. Out of pocket expenses that I, MYSELF had to pay for insurance on the rental car was $79.96. I spoke with Mercury several times explaining that I should not incur these out of pocket expenses due to THEIR slimeball of a client hitting my car and running. They were uncooperative, non understanding and unwilling to accommodate or help in ANY way, simply saying over and over “we aren’t responsible for gas and insurance on rental vehicles”.

When I was searching for auto insurance companies, Mercury was the cheapest at the time. It was years ago. I had no tickets or accidents and they had many incentives for those that had a clean record. But they did not back me up for my accident. They don't fight for you that well. It seemed as though they were just trying to hurry up with the claim and it ended up giving me a point in my record even though I was not found to be at fault.

I liked that they were able to start my policy quickly. The sales person seemed friendly and eager to help with my situation. I handled all of the details by phone and email, which was confident for me, since there was not a local office. There was a lot of going back and forth, but the situation was handled. However my policy was not 30 days old before they sent a letter saying they were gonna be dropping my policy, due to inaccurate documentation. I sent in everything they asked for. They would not keep me as a client, saying they could not verify my address, but I receive mail at the same address! I felt like they just took my money. This company left a really bad taste in my mouth. I would not recommend this company to anyone. They are just taking advantage of people already in a bind. This company is not here to help consumers in any way. Good thing all insurance companies don't do business the same as Mercury.

We have canceled all 3 of our insurance policies with Mercury (2 auto and 1 homeowner's) because of the terrible customer service experience we've had. It's unacceptable that our claim wasn't approved and paid out as it should have been based on the water damage and burst pipe under the crawlspace in our bathroom. I have a high degree of confidence that both your restoration company and your field inspector get incentives from Mercury to deny claims and avoid payouts in cases where damage has been incurred by your customers.

I was very happy with Mercury Insurance because they had very reasonable rates and they were very easy to deal with. Sometimes I was not able to make my payments on time but the amount of time they gave before terminating my policy was more than fair. I had an outstanding relationship with Mercury Insurance company and my overall experience with them was very good. Making payments was easy and they had the SR22 policy for those who need SR22.

I searched online for the lowest rates and a plan that would provide enough coverage to meet my needs. Mercury's rates are fairly low and I also like the amount of coverage that I get for my money. It was easy to sign up too. I would however prefer that they would provide better roadside assistance coverage plans.