Car Insurance Coverage Options:
While other companies offer robust coverage options such as spare holidays insurance, customized equipment protection, and space coverage, Mercury offers basic auto insurance with several optional enhancements that you can add to customize your policy. It allows you to get a quote online if you live in one of the 11 states where it operates, or you can contact an agent for a personalized quote.
Mercury has the following caps:
Pride:
While collision coverage is not required by most states, it may be a good idea to add it to your policy. Collision protection pays for repairs to your vehicle after it is involved in an accident, or it can pay for a replacement if the car is declared a total loss.
Comprehensive:
Comprehensive coverage is optional insurance that pays for damage to your vehicle due to events other than accidents. For example, this will cover repairs to your vehicle after an ice storm, a flood, or an act of vandalism.
Liability:
Liability coverage protects you if you are in an accident and are found legally responsible for injuries caused by a person or property. There are two categories of liability protection:
Physical Injury Liability – Injury liability pays for injuries suffered by another driver or passenger after an accident, including medical expenses and lost wages.
Property Damage Compensation-Property damage liability pays for repairs to the other party’s vehicle or property.
Medical Fees:
You can add covered medical payments to your policy to pay for medical expenses that arise after a covered accident. This applies to you and your passengers, regardless of who was at fault at the time of the accident.
Personal Injury Protection (PIP):
Depending on where you live, you may need a PIP. Some states, including Florida, New Jersey, and New York, need all drivers to have this coverage, also known as “unsecured insurance.” It pays for your medical expenses and other expenses after an accident, even if you are not at fault.
Rental car:
If you are in an accident and your vehicle needs repairs, car rental protection can help you get to and from work or school. Car rental coverage is optional, and Mercury will provide you with a rental vehicle while your vehicle is repaired. Coverage limits range from $ 30 to $ 100 per day for up to 30 days.
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Courier:
Mercury ride insurance, better known as “ mercury rideshare insurance,” is an optional rider that you can add to your personal auto policy if you drive for services like Uber or Lyft. You can get protection when you are not covered by the insurance of rideshare companies for $ 0.90 per day.
Road Help:
Road help is an optional benefit that you can add to your policy to get help with your vehicle if it does not start. Mercury’s roadside help cover towing (up to set limits), locksmith services, battery jump-start, flat tire changes, and emergency fuel and fluid delivery.
Uninsured / Underinsured Motorist:
If you are in an accident with an uninsured driver or have inadequate coverage, uninsured motorist insurance and uninsured motorist insurance will pay for your medical expenses and repairs to your vehicle. after an accident.
Car Insurance Discounts:
Mercury has many discounts that can lower your insurance premiums, including:
Anti-Theft Discount-Drivers who have installed anti-steal devices in their vehicles may be eligible for this discount.
Autopay Discount: If you sign up for automatic payments, you can get an extra discount.
E-Signature Discount: If you are willing to sign your policy documents electronically, you can get a reduction on your premiums.
Great Driver Discount: If you go at a specified time without an accident, you may qualify for a rate reduction.
Great Student Discount: Students who do well in school may be eligible for a discount. Talk to a Mercury agent to see who qualifies as a good student in your area.
Many Car Discount: If you insure two or more vehicles, you can get a premium discount.
Many Policy Discounts-Bundle your policy with homeowners, condo, or tenant insurance to save on your car insurance.
Pay-in-Full Discount: If you can afford to pay your annual premiums in advance than the monthly or quarterly installment, you will get a discount.
RealDrive Discount: With Mercury’s RealDrive initiative, you can qualify for a 5% discount simply by enrolling in the program. Your rate is based on how many miles you drive; the less you put together, the less you pay.
Discounts may vary by state, so contact a Mercury insurance agent to see what discounts you are eligible for and get a detailed quote.
Road Assistance:
Road assistance is an optional benefit that you can add to your policy to get assistance with your vehicle if it does not start. Mercury’s roadside assistance covers towing (up to set limits), locksmith services, battery jump start, flat tire changes, and emergency fuel and fluid delivery.
Uninsured / Underinsured Motorist:
If you are in an accident with an uninsured driver or have inadequate coverage, uninsured motorist insurance and uninsured motorist will pay for your medical expenses and repairs to your vehicle. after an accident.
Car Insurance Discounts:
Mercury has many discounts that can lower your insurance premiums, including:
Anti-Theft Discount: Drivers who have installed anti-steal devices in their vehicles may be eligible for this discount.
Auto pay Discount: If you sign up for automatic payments, you can get an extra discount.
E-Signature Discount-If you are willing to sign your policy documents electronically, you can get a reduction on your premiums.
Great Driver Discount: If you go at a specified time without an accident, you may be eligible for a rate reduction.
Great Student Discount: Students who do well in school may be eligible for a discount. Talk to a Mercury agent to see who qualifies as a good student in your area.
