Kentucky Farm Bureau vs Mercury Car Insurance for 2023
Kentucky Farm Bureau and Mercury Car Insurance are facing off in court over claims of bad faith insurance practices and unfair competition.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
UPDATED: Apr 9, 2023
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UPDATED: Apr 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When it comes to purchasing car insurance, it’s essential to compare providers to find the best policy for your needs and budget. In this article, we will compare Kentucky Farm Bureau car insurance and Mercury car insurance companies, two of the most prominent providers in the industry. We’ll discuss their history, mission, products, services, discounts, and customer reviews to help you make an informed decision.
Interesting Attributes of Kentucky Farm Bureau vs Mercury:
Before we dive into the comparison, here are three interesting attributes of Kentucky Farm Bureau and Mercury car insurance:
- Kentucky Farm Bureau is a member-based organization that offers a variety of insurance products, including car insurance, to its members.
- Mercury offers car insurance policies that come with a range of optional add-ons, including accident forgiveness, rental car coverage, and pet injury coverage.
- Both companies offer mobile apps that allow customers to manage their policies, file claims, and more.
Company History and Mission:
Kentucky Farm Bureau: Kentucky Farm Bureau was founded in 1919 to provide insurance to farmers and rural residents in Kentucky. Today, the company has over 400,000 members and offers a wide range of insurance products, including car insurance, home insurance, and life insurance. Kentucky Farm Bureau’s mission is to provide quality insurance products and services to its members at competitive prices.
Mercury: Mercury was founded in 1961 and has since grown to become one of the leading car insurance providers in the United States. The company offers a variety of insurance products, including car insurance, home insurance, and business insurance. Mercury’s mission is to provide affordable insurance products and exceptional customer service to its policyholders.
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Products and Services:
Kentucky Farm Bureau: Kentucky Farm Bureau offers a variety of car insurance policies, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. The company also offers optional add-ons, including roadside assistance, rental reimbursement, and glass repair. Kentucky Farm Bureau’s car insurance policies are available in Kentucky, and some policies are available in Tennessee and Indiana.
Mercury: Mercury offers a range of car insurance policies, including liability, collision, comprehensive, and personal injury protection coverage. The company also offers optional add-ons, including rental car coverage, roadside assistance, and pet injury coverage. Mercury’s car insurance policies are available in 11 states, including Arizona, California, Florida, and Texas.
Cost of Services:
The cost of car insurance varies depending on several factors, including your age, driving record, the type of car you drive, and your location. Here’s an overview of Kentucky Farm Bureau and Mercury’s car insurance rates:
Kentucky Farm Bureau: According to ValuePenguin, the average cost of car insurance in Kentucky is $1,545 per year. Kentucky Farm Bureau’s rates are competitive, with an average annual premium of $1,186 for a full coverage policy.
Mercury: According to ValuePenguin, the average cost of car insurance in California, where Mercury is headquartered, is $1,737 per year. Mercury’s rates are also competitive, with an average annual premium of $1,462 for a full coverage policy.
Different Types of Discounts Available to Customers and How to Qualify for Them
Kentucky Farm Bureau and Mercury offer several discounts that can help lower your car insurance premium. Here are some of the most common discounts available:
Kentucky Farm Bureau Discounts:
- Multi-policy discount: If you have more than one policy with Kentucky Farm Bureau, such as auto and homeowners insurance, you can receive a discount on both policies.
- Good student discount: If you have a student on your policy who maintains a B average or higher, you can receive a discount on your premium.
- Safe driver discount: If you have a clean driving record for a certain number of years, you can receive a discount on your premium.
- Vehicle safety discount: If your car has certain safety features, such as anti-lock brakes or airbags, you may be eligible for a discount.
- Loyalty discount: If you have been a Kentucky Farm Bureau customer for a certain number of years, you can receive a discount on your premium.
Mercury Discounts:
- Multi-policy discount: If you have more than one policy with Mercury, such as auto and homeowners insurance, you can receive a discount on both policies.
- Good driver discount: If you have a clean driving record for a certain number of years, you can receive a discount on your premium.
- Good student discount: If you have a student on your policy who maintains a B average or higher, you can receive a discount on your premium.
- Anti-theft device discount: If your car has an anti-theft device installed, you may be eligible for a discount.
- Professional association discount: If you are a member of certain professional associations, you can receive a discount on your premium.
It’s important to note that not all discounts are available in all states or with all policies, and the amount of the discount can vary. Be sure to talk to a representative from each company to see which discounts you may qualify for and how much of a discount you can expect.
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Summary of Customer Reviews
Kentucky Farm Bureau and Mercury have both received mixed reviews from customers. On the positive side, customers appreciate the affordable rates and variety of discounts offered by both companies. However, some customers have complained about poor customer service and difficulty getting claims processed.
According to the 2021 J.D. Power U.S. Auto Insurance Study, Kentucky Farm Bureau ranks slightly below average in overall customer satisfaction, while Mercury ranks slightly above average. However, it’s important to remember that customer satisfaction can vary based on individual experiences and priorities.
FAQ
Q: How do I file a claim with Kentucky Farm Bureau or Mercury?
A: To file a claim with Kentucky Farm Bureau or Mercury, you can call their claims department or file a claim online through their website.
Q: Do Kentucky Farm Bureau and Mercury offer roadside assistance?
A: Yes, both Kentucky Farm Bureau and Mercury offer roadside assistance as an optional add-on to their policies.
Q: Can I cancel my policy with Kentucky Farm Bureau or Mercury at any time?
A: Yes, you can cancel your policy with either company at any time. However, you may be subject to cancellation fees or other charges, so be sure to read your policy carefully.
Q: How do I get a quote from Kentucky Farm Bureau or Mercury?
A: To get a quote from Kentucky Farm Bureau or Mercury, you can visit their website or call their customer service department. Be prepared to provide information about your vehicle, driving history, and coverage needs.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.