Comparing quotes is the best way to get your lowest rates from top insurers like The Hartford and Mercury. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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 |
The Hartford
|
Mercury
|
| Worst If |
The Hartford
|
Mercury
|
|
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
Mercury |
| 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 |
| The Hartford Auto Insurance | Mercury Car Insurance | |
|---|---|---|
| 2016 | 30 | 71 |
| 2015 | 72 | 92 |
| 2014 | 69 | 105 |
| 2013 | 67 | 83 |
| The Hartford Auto Insurance | Mercury Car 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 | -- |
| The Hartford Auto Insurance | Mercury Car 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 |
| The Hartford Auto Insurance | Mercury Car Insurance | |
|---|---|---|
| A.M. Best | A | A+ |
| Moody's | A2 | -- |
| S&P's | A | -- |
|
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. Download the Hartford Smartphone app for iPhone or Android. |
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. |
The Hartford
The Hartford Towing and LaborTowing 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
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |
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. |