Compare AAA vs. Mercury Insurance

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As should be expected, car-insurance competitors AAA and Mercury are both different from each other as well as somewhat similar. AAA opened its doors in 1902, and Mercury didn’t follow suit until 1962. While AAA made its mark by providing excellent roadside service and easy access to information on their website, Mercury’s claim to fame is its variety of discounts and prompt handling of the claims process.

However, Mercury has a fairly involved sign-up process and AAA only allows customers four free service calls a year. Still, both companies are financially strong. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Mercury
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Mercury
  • You want a lot of good discounts
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

AAA Mercury
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Mercury
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Mercury Insurance
2016 71
2015 92
2014 105
2013 83

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Mercury Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Average Average
Call Center Representative Above average Average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Mercury Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Average
Appraisal Average Below average
Repair Process Among the best Below average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Mercury Insurance
A.M. Best A+ A+
Moody's -- --
S&P's A --

Mobile Apps

AAA Mercury
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Mercury

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

AAA Mercury
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Mercury

Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

For Roadside Assistance, call our hotline (800) 503-3724.