American National vs Mercury Car Insurance for 2024

When it comes to car insurance, it’s important to find a policy that offers both the coverage you need and the affordability you want.

American National car insurance and Mercury car insurance are two popular car insurance providers that offer a range of products and services to meet the needs of drivers across the country. But which one is the best fit for you?

• American National offers a unique “Bundle and Save” program that allows customers to save up to 25% on their car insurance premiums when they also purchase home or life insurance through the company.
• Mercury offers a user-friendly mobile app that allows customers to easily manage their policies, pay bills, and file claims from their smartphones.
• American National is known for its exceptional customer service, having received an A+ rating from the Better Business Bureau.

In this review, we’ll compare American National vs. Mercury car insurance in terms of their history, mission, products and services, pricing, discounts, customer reviews, and more, so that you can make an informed decision about your car insurance coverage.

History and Mission of American National and Mercury

American National has been providing insurance products and services since 1905, with a focus on helping individuals and families protect what matters most.

The company offers a range of insurance products, including auto, home, life, and business insurance, and is committed to delivering personalized service and financial security to its customers. American National is headquartered in Galveston, Texas, and operates in all 50 states.

Mercury Insurance Group, on the other hand, was founded in 1961 and is headquartered in Los Angeles, California. The company offers a range of insurance products, including auto, home, renters, and business insurance, and is committed to providing high-quality coverage at an affordable price.

Mercury operates in 11 states, including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

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Coverage Options: American National vs. Mercury

American National and Mercury offer a range of car insurance products and services. Here’s a more detailed breakdown of what each company offers:

American National:

• Liability coverage: This coverage helps pay for damages or injuries you may cause to others in a car accident. It’s required by law in most states.
• Collision coverage: This coverage helps pay for damages to your vehicle in a car accident.
• Comprehensive coverage: This coverage helps pay for damages to your vehicle that are caused by something other than a car accident, such as theft, vandalism, or weather events.
• Personal injury protection: This coverage helps pay for medical expenses and lost wages if you or your passengers are injured in a car accident.
• Uninsured/underinsured motorist coverage: This coverage helps pay for damages or injuries if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
• Roadside assistance: This coverage provides help if you need a tow, jump start, or other assistance while on the road.
• Bundle and Save program: This program allows customers to save up to 25% on their car insurance premiums when they also purchase home or life insurance through American National.

Mercury:

• Liability coverage: This coverage helps pay for damages or injuries you may cause to others in a car accident. It’s required by law in most states.
• Collision coverage: This coverage helps pay for damages to your vehicle in a car accident.
• Comprehensive coverage: This coverage helps pay for damages to your vehicle that are caused by something other than a car accident, such as theft, vandalism, or weather events.
• Rental car coverage: This coverage helps pay for a rental car while your vehicle is being repaired after an accident.
• Roadside assistance: This coverage provides help if you need a tow, jump start, or other assistance while on the road.
• Pet injury coverage: This coverage helps pay for veterinary expenses if your pet is injured in a car accident.
• MercuryGO mobile app: This app allows customers to easily manage their policies, pay bills, and file claims from their smartphones.
• Discounts: Mercury offers a range of discounts for customers who meet certain criteria, such as good driving habits, multiple cars, and good grades for student drivers.

It’s worth noting that the specific products and services offered by each company may vary depending on the state where you live. It’s important to check with each company to see what’s available in your area.

Cost of Insurance

The cost of car insurance can vary widely depending on various factors, including your age, driving record, location, type of car, and the coverage options you choose. It’s important to get a personalized quote from each company to get an accurate idea of how much you’ll pay for insurance.

That being said, here’s some general information about the cost of car insurance from American National and Mercury:

American National:

• According to a survey conducted by ValuePenguin, the average cost of car insurance from American National is $1,589 per year. However, this figure is based on a hypothetical driver with a clean driving record and a 2017 Honda Civic, so your actual cost may be higher or lower depending on your circumstances.
• American National does offer discounts that can help lower your insurance costs. These discounts include a safe driver discount, a multi-car discount, and a discount for bundling your car insurance with other types of insurance, such as home or life insurance.

Mercury:

• According to the same ValuePenguin survey, the average cost of car insurance from Mercury is $1,405 per year. Again, this figure is based on a hypothetical driver with a clean driving record and a 2017 Honda Civic.
• Like American National, Mercury offers discounts to help lower your insurance costs. These discounts include a good driver discount, a multi-car discount, and a discount for taking a defensive driving course.

It’s worth noting that the cost of car insurance can vary widely depending on the factors mentioned earlier. It’s important to get personalized quotes from both companies to see which one offers the best deal for you.

States Where American National and Mercury Offers Insurance

American National and Mercury offers car insurance in all 50 states and the District of Columbia. This includes liability insurance, collision coverage, and comprehensive coverage.

They also offer additional coverage options such as personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance.

When comparing American National vs. Mercury car insurance, it’s important to consider the coverage options and rates available to you in your state.

It’s also a good idea to read customer reviews and compare discounts offered by each company to make an informed decision about which company is the best fit for you.

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Discounts Offered: American National vs. Mercury

American National and Mercury offer a variety of discounts that can help you save money on car insurance. Here are some of the discounts offered by each company:

American National:

• Safe driver discount: You may be eligible for a safe driver discount if you have a clean driving record for a certain period, typically three to five years.
• Multi-car discount: If you insure more than one car with American National, you may be eligible for a multi-car discount.
• Bundling discount: If you bundle your car insurance with other types of insurance, such as home or life insurance, you may be eligible for a bundling discount.
• Good student discount: If you’re a full-time student and maintain good grades, you may be eligible for a good student discount.
• Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your car insurance.

Mercury:

• Good driver discount: If you have a clean driving record, you may be eligible for a good driver discount.
• Multi-car discount: If you insure more than one car with Mercury, you may be eligible for a multi-car discount.
• Good student discount: Like American National, Mercury offers a discount for full-time students who maintain good grades.
• Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your car insurance.
• Professional group discount: If you belong to certain professional groups, such as a union or alumni association, you may be eligible for a discount on your car insurance.

It’s worth noting that the specific discounts offered by each company can vary by state and may be subject to certain eligibility requirements. It’s a good idea to contact each company directly or speak with an insurance agent to find out which discounts you may be eligible for.

Case Studies: American National vs. Mercury Car Insurance

Case Study 1: John’s Experience With American National Car Insurance

John, a 35-year-old driver from California, had been a loyal customer of American National car insurance for the past five years. He had comprehensive coverage for his vehicle and had filed a claim after his car was damaged in an accident. American National’s claims process was smooth and efficient.

Case Study 2: Sarah’s Experience With Mercury Car Insurance

Sarah, a 28-year-old driver from Texas, recently switched to Mercury car insurance after being dissatisfied with her previous provider. She found that Mercury offered competitive rates and a variety of coverage options. Sarah was involved in a minor fender bender, and she contacted Mercury to file a claim.

Case Study 3: Mark’s Comparison of American National and Mercury Car Insurance

Mark, a 40-year-old driver from New Jersey, decided to compare American National and Mercury car insurance before renewing his policy. He obtained personalized quotes from both companies and evaluated their coverage options and pricing. Mark found that American National offered slightly lower rates for the same level of coverage compared to Mercury.

Decoding Claims Processing: American National vs. Mercury Car Insurance

Ease of Filing a Claim

When it comes to the claims process, both American National and Mercury Car Insurance offer multiple channels for policyholders to file claims conveniently. These channels typically include online claim filing, phone support, and dedicated mobile apps. This flexibility ensures that policyholders can initiate claims in a way that suits their preferences and needs.

Average Claim Processing Time

The speed at which an insurance company processes claims can significantly impact the overall customer experience. While both American National and Mercury strive to process claims efficiently, specific processing times may vary based on factors such as the complexity of the claim and claim volume. For precise information on claim processing times, it’s advisable for policyholders to directly contact each company.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of how well an insurance company handles claims. Both American National and Mercury Car Insurance have received feedback on their claim resolutions. By reviewing real customer experiences, policyholders can gain insights into the effectiveness of the claims-handling process.

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Digital Excellence: American National vs. Mercury Car Insurance Technological Solutions

Mobile App Features and Functionality

Both American National and Mercury Car Insurance provide mobile apps designed to enhance the policyholder experience. These apps typically offer features such as policy management, claims reporting, and access to important information on the go. Policyholders can expect user-friendly interfaces and a range of useful tools within these apps.

Online Account Management Capabilities

Effective online account management is a fundamental feature offered by modern insurance companies. Both American National and Mercury Car Insurance empower policyholders with the ability to manage their insurance policies online. This includes tasks such as accessing policy documents, making payments, and reviewing policy details, providing convenience and accessibility.

Digital Tools and Resources

To assist policyholders, insurance companies increasingly offer digital tools and resources. These tools may include online calculators, educational materials, and resources to help policyholders make informed decisions about their coverage. Both American National and Mercury Car Insurance offer various digital resources to support policyholders’ insurance needs.

Customer Feedback for American National and Mercury

When it comes to choosing a car insurance company, reading customer reviews can be a helpful way to gauge the quality of the service and coverage provided by each company. Here’s a summary of the reviews for American National and Mercury:

American National:

• Customer reviews for American National are generally positive, with many customers praising the company’s customer service and claims handling. Some customers have noted that the rates for American National can be higher than other companies, but many have found the coverage to be worth the cost.
• American National has an A+ rating with the Better Business Bureau (BBB), indicating a high level of trustworthiness and customer satisfaction. The company has also received high ratings from other independent rating agencies, such as J.D. Power.

Mercury:

• Customer reviews for Mercury are also generally positive, with many customers praising the company’s affordable rates and helpful customer service. Some customers have noted that the claims process can be slow at times, but overall, the company has a reputation for providing good coverage at a reasonable price.
• Mercury has an A+ rating with the Better Business Bureau, indicating a high level of trustworthiness and customer satisfaction. The company has also received high ratings from other independent rating agencies, such as A.M. Best.

It’s important to keep in mind that individual experiences with car insurance companies can vary widely, and no company is perfect. However, by reading customer reviews and ratings, you can get a sense of the overall satisfaction level among customers and the types of experiences you may have if you choose to work with a particular company.

Roundup: American National vs. Mercury

In conclusion, both American National and Mercury Insurance offer a range of competitive car insurance products and services. American National has a long history of providing insurance solutions and offers a unique Loyalty Rewards program for policyholders.

They operate in all 50 states and have generally positive customer reviews. Mercury Insurance, on the other hand, has a strong focus on customer service, with 24/7 claims reporting and a mobile app that allows customers to easily manage their policies and claims. They operate in 11 states and also have generally positive customer reviews.

Both companies offer a variety of coverage options, discounts, and competitive rates that make them viable options for car insurance. Ultimately, the decision on which company to choose will depend on individual needs and preferences, but this comparison of American National vs. Mercury car insurance should help provide some valuable insights.

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