Compare American National vs. Mercury Insurance

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American National and Mercury are two top-rated companies in the auto insurance world. American National was founded in 1905, and Mercury was founded in 1962. While mercury provides a wide variety of discounts, American National provides a wide variety of insurance options. However, American National’s website lacks detailed information on products and Mercury lacks a simplified sign-up process. Still, both American National and Mercury have A+ ratings from the Better Business Bureau and have excellent financial strength ratings, as well. 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

  American National Mercury
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Mercury
  • You want a lot of good discounts
Worst If American National
  • You want to use their website as your #1 point of reference; American National doesn’t provide abundant information on their products on the website
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

American National Mercury
American National

The Fresh Start discount is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage.

The Association discount gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.

Cashback is an American National program that is available to those who insure both their vehicles and home with American National. In addition, they must remain claim free for three consecutive years. At that point, American National sends a check that includes 25 percent of the total home and auto premiums you paid the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount becomes greater which each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts American National Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American National 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 American National Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American National Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American National Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American National Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American National Car Insurance Mercury Insurance
2016 1 71
2015 0 92
2014 1 105
2013 0 83

U.S. Auto Insurance Shopping Study (2016)

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

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

American National Car Insurance Mercury Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Below average
Repair Process Below average
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

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

Mobile Apps

American National Mercury
American National

Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more.

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

American National Mercury
American National

Easy Tow Roadside Assistance from ANPAC

Easy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee, up to the limits of you car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you.

Roadside Assistance Services Covered

  • Tire change
  • Gas delivery
  • Lockouts
  • Towing
  • Jump start
  • Winching

Contact Phone Number

With roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869). 

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.