Compare The General vs. Mercury Insurance

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The General and Mercury are two top-rated companies in the insurance world. Both companies were founded a year apart from each other; Mercury in 1962 and The General in 1963. The General is best known for providing high-risk drivers affordable insurance rates, while Mercury is best known for offering a variety of good discounts.

However, Mercury has an involved sign-up process and The General lacks an accident-forgiveness program. Nonetheless, both companies have a roadside assistance program and a mobile app to provide customers extra support.

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

  The General Mercury
Best If The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Mercury
  • You want a lot of good discounts
Worst If The General
  • You want good customer service and consistency
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

The General Mercury
The General Mercury

Standard Car Insurance Discounts

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

Consumer Complaint Data

The General Insurance Mercury Insurance
2016 13 71
2015 14 92
2014 3 105
2013 4 83

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

The General Insurance Mercury Insurance
A.M. Best A- A+
Moody's -- --
S&P's -- --

Mobile Apps

The General Mercury
The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

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

The General Mercury
The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service
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.