Compare Travelers vs. Mercury Insurance

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Which Company Will Save You the Most Money?

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A couple of the most well-known competitors in insurance world are Travelers and Mercury. Travelers is one of the first insurance companies, founded in 1864. Mercury was founded much later in 1962. Travelers was ranked #3 auto insurer in 2015. Additionally, Travelers offers its customers flexible payment plans and GAP coverage, but lacks helpful customer service.

Whereas, Mercury offers its customers a great variety of discounts and a prompt claims service, but also lacked good customer service and sometimes raised rates without advanced notice. Nonetheless, both companies have outstanding financial strength.

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

  Travelers Mercury
Best If Travelers
  • You need flexible payment plans or GAP coverage
Mercury
  • You want a lot of good discounts
Worst If Travelers
  • You value customer satisfaction or a strong website
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

Travelers Mercury
Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Mercury

Standard Car Insurance Discounts

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

Consumer Complaint Data

Travelers Car Insurance Mercury Insurance
2016 34 71
2015 46 92
2014 29 105
2013 165 83

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Travelers Car Insurance Mercury Insurance
A.M. Best A++ A+
Moody's Aa2 --
S&P's AA --

Mobile Apps

Travelers Mercury
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app 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

Travelers Mercury
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

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.