Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and Mercury. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and Mercury are two well known companies in the auto insurance world. Mercury is best if you want a good variety of discounts, but may raise your insurance premiums without notice.
On the other hand, Liberty Mutual was rated the #8 auto insurer in 2016 and provides customers with strong online tools. But lacks good 24-hour customer support. Yet and still, both companies have excellent financial strength and J. D. Power ratings.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Liberty Mutual
|
Mercury
|
| Worst If |
Liberty Mutual
|
Mercury
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible. Exclusive Group SavingsLiberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company. |
Mercury |
| Bundling Coverage Discounts | Liberty Mutual | Mercury |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | 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 | Liberty Mutual | Mercury |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | Mercury |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | Mercury |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | Mercury |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | Mercury Car Insurance | |
|---|---|---|
| 2016 | 160 | 71 |
| 2015 | 267 | 92 |
| 2014 | 235 | 105 |
| 2013 | 187 | 83 |
| Liberty Mutual Auto Insurance | Mercury Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Above average |
| Policy Offerings | Among the best | Above average |
| Pricing | Above average | Above average |
| Local Agent | Among the best | Average |
| Call Center Representative | Above average | Average |
| Insurer Website | Average | -- |
| Liberty Mutual Auto Insurance | Mercury Car 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 | Average | Average |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | Mercury Car Insurance | |
|---|---|---|
| A.M. Best | A | A+ |
| Moody's | A2 | -- |
| S&P's | A | -- |
|
Liberty Mutual
Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance. The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:
You can also use it to record details of your incident and get your claim process started. The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free. The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
Mercury
Mercury PortalThis 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. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage Roadside Services covered
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
Mercury
Mercury Mechanical Breakdown ProtectionMechanical 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 NumberCall the hotline (800) 503-3724. |