Compare The Hartford vs. Mercury Insurance

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The Hartford and Mercury are two of the biggest names in the world of auto insurance. The Hartford was founded in 1810, and Mercury was founded in 1962. Both companies have their clear strengths and weaknesses. For instance, The Hartford is best known for partnering with the AARP, and Mercury is best known for its prompt claims process and affordable insurance premiums.

On the other hand, Mercury sometimes raised premiums without notice and The Hartford lacked 24-hour customer support. Still, both of these companies offer a good variety of discounts. 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 Hartford Mercury
Best If The Hartford
  • You’re also an AARP member
Mercury
  • You want a lot of good discounts
Worst If The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

The Hartford Mercury
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount
Mercury

Standard Car Insurance Discounts

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

Consumer Complaint Data

The Hartford Car Insurance Mercury Insurance
2016 30 71
2015 72 92
2014 69 105
2013 67 83

U.S. Auto Insurance Shopping Study (2016)

The Hartford Car Insurance Mercury Insurance
Overall Purchase Experience Among the best Above average
Policy Offerings Among the best Above average
Pricing Among the best Above average
Local Agent Average Average
Call Center Representative Average Average
Insurer Website Among the best --

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

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

Financial Strength Ratings

The Hartford Car Insurance Mercury Insurance
A.M. Best A A+
Moody's A2 --
S&P's A --

Mobile Apps

The Hartford Mercury
The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or 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 Hartford Mercury
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.

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.