Esurance and Mercury are two well-known companies in the auto insurance world. Esurance was founded in 1999, and Mercury Insurance was founded in 1962. In addition to its broad range of auto discounts, Mercury also offers its services to military members with unique coverage plans.
However, there have been frequent complaints about its customer service and ability to raise people’s premiums. Though Esurance’s roadside system is mediocre, it offers a huge amount of discounts and affordable auto premiums. Both companies have high financial strength and J.D. Power ratings.
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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
Fast 5 Discount
This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
Switch & Save Discount
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
Emergency Road Assistance Discount
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.
|Bundling Coverage Discounts||Esurance||Mercury|
|Home and Car|
|Car and Life|
|Vehicle Type and Safety Features||Esurance||Mercury|
|Electronic Stability Control (ESC)|
|Farm or Ranch Vehicle|
|Driving Record and Insurance History||Esurance||Mercury|
|Accident Free/Good Driver|
|Long Term Policy Holder|
|Defensive Driving Course|
|Student, Professional, and Club Memberships||Esurance||Mercury|
|Organization or Club Membership|
|Farm Bureau Member|
|Days Per Week Driven|
|Paid in Full|
|Electronic Funds Transfer|
|55 and Retired|
|Overall Purchase Experience||Average||Above average|
|Policy Offerings||Average||Above average|
|Call Center Representative||--||Average|
|Insurer Website||Among the best||--|
|Overall Satisfaction||Below average||Average|
|First Notice of Loss||Below average||Average|
|Service Interaction||Below average||Average|
|Appraisal||Below average||Below average|
|Repair Process||Below average||Below average|
|Rental Car Experience||Below average||Average|
This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.
This app lets you manage your auto insurance policies from your mobile device. You can: pay your auto bills, view your policy information, contact your agent, and request policy changes. You can even view your policy claims and payment history.
To download the app for Android, click here.
Esurance Emergency Road Service coverage
Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.
Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.
Emergency Road Service is only eligible for Esurance covered vehicles.
Roadside Assistance Phone: 1 (888) 374-6472
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
Contact Phone Number
Call the hotline (800) 503-3724.