Mercury vs Shelter Insurance Car Insurance for 2023

Choosing the right car insurance can be a daunting task, especially when there are so many options available in the market. In this article, we will compare two of the top car insurance companies, Mercury and Shelter Insurance, and help you make an informed decision. We will cover their history, products and services, discounts, customer reviews, and more. So, let’s dive in and find out which one is the right fit for you.

Three interesting attributes of Mercury Car Insurance and Shelter Insurance Car Insurance:

• Mercury Insurance has been rated A+ by A.M. Best for its financial stability and excellent customer service.
• Shelter Insurance offers a wide range of customizable coverage options, including liability, collision, and comprehensive coverage.
• Both companies offer mobile apps that allow customers to manage their policies, file claims, and pay bills conveniently from their smartphones.

History and Mission:

Mercury Insurance was founded in 1962 in Los Angeles, California, and has since expanded to offer its services in 11 states, including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. The company’s mission is to provide affordable and reliable insurance coverage to its customers while maintaining excellent customer service.

Shelter Insurance, on the other hand, has been in the insurance business since 1946 and is based in Columbia, Missouri. The company operates in 18 states across the country, including Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Tennessee, and Texas. Shelter Insurance’s mission is to provide its policyholders with quality insurance products and exceptional customer service at a competitive price.

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Products and Services:

Mercury Insurance offers a wide range of insurance products, including auto, home, renters, and business insurance. The company’s auto insurance policies cover liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Mercury also offers optional add-ons like roadside assistance, rental car reimbursement, and mechanical breakdown coverage.

Shelter Insurance also provides a variety of insurance products, including auto, home, life, and business insurance. The company’s auto insurance policies cover liability, collision, and comprehensive coverage. Shelter Insurance offers optional add-ons like rental car reimbursement, roadside assistance, and glass coverage.

Cost of Services:

The cost of car insurance varies depending on several factors, including your age, location, driving history, and the type of car you own. However, according to our research, Mercury Insurance tends to be slightly more expensive than Shelter Insurance, on average. It’s essential to get a personalized quote from both companies to compare the cost of their services and determine which one is more affordable for you.

Discounts:

Both Mercury and Shelter Insurance offer various discounts to their customers. Some of the most common discounts include multi-policy discounts, safe driving discounts, good student discounts, and low-mileage discounts. To qualify for these discounts, you must meet specific eligibility criteria set by each company. It’s essential to check with your insurance agent to find out which discounts you qualify for and how much you can save on your insurance premiums.

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Customer Reviews:

When it comes to choosing the right car insurance company, customer reviews can provide valuable insights into the quality of service and customer satisfaction. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Mercury Insurance ranks 13th out of 24 insurance companies, with an overall satisfaction score of 839 out of 1000. Shelter Insurance, on the other hand, is not included in the study. However, customer reviews for Shelter Insurance are generally positive, with many customers praising the company’s prompt and efficient claims

In conclusion, both Mercury and Shelter Insurance offer a range of car insurance products and services that cater to the needs of their customers. While Mercury is known for its affordable rates and discounts, Shelter Insurance is known for its personalized service and coverage options. Ultimately, the choice between the two will depend on your individual needs and preferences. We hope that this review has helped you make an informed decision when it comes to choosing the right car insurance provider.

FAQ:

Q: How do I qualify for discounts from Mercury and Shelter Insurance?

A: Both Mercury and Shelter Insurance offer a range of discounts that you may be eligible for based on factors such as your driving history, age, and the type of car you drive. To find out more about the discounts available and how you can qualify for them, contact their customer service representatives or visit their websites.

Q: What states do Mercury and Shelter Insurance offer their services in?

A: Mercury and Shelter Insurance offer their car insurance products and services in multiple states across the United States. To find out if they operate in your state, check their websites or contact their customer service representatives.

Q: Can I customize my car insurance coverage with Mercury and Shelter Insurance?

A: Yes, both Mercury and Shelter Insurance offer a range of coverage options that you can customize to suit your individual needs and preferences. Contact their customer service representatives or visit their websites to learn more about the different coverage options available.

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