I have Mercury Car Insurance, what should I watch out for?

I recently opened up a policy with Mercury car insurance because they gave me the best quote. A month later my roomate was doing research and found a large amount of people giving bad reviews of Mercury car insurance. Since I don’t know anyone who has Mercury car insurance I was hoping someone out there could give me some good feedback as to whether or not they are worth renewing in 5 months.

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I.C.

This is a company like Geico. Yes they save you money but when you need them to actually pay for coverage you will get hassled.

Never agree to limited tort- you limit your rights to recover for damages when you actually might need it.

Always keep you insured amounts high like 100,300 and 50 at the min. The higher the more protected you are —thinking cheaper by using low limits can come back in your face.

Match the uninsured/under-insured to the same high amounts as above.

Ask what the difference in premium would be for a deductible of 100,250,500 and see what is best for you. Remember this is what you pay in case of a claim. You might be surprised how little it raises your premium with a lower deductible- maybe not.

Never,
Never, use the drive-thru claim service or the service when they come to your house etc.. They give you a check and good luck finding a body shop that will do the repairs for that amount. Look around for a reputable body shop in advance and have the car towed there if unable to drive) because they are in the business of repairing cars where as the insurance company business is to make money so they avoid paying what is necessary.

Add rental care option usually 30 -35 a day for a max for a month so you have transportation while vehicle is being repaired.

Travelers insurance is good coverage at a reasonable premium in my area. You could ask the body shop you find to be reputable to see which co. worked with them the best. But if they are a direct repair facility there answer might be tainted.
Direct repair is when a body shop agrees to work with the insurance co. (at a lower repair rate) in return for direct referral of their business.

UCANTCME

MY PARENTS HAVE BEEN WITH THEM FOR 5 YEARS NOW AND THEY HAVE TREATED THEM VERY GOOD.

THEY HAD A COUPLE OF NO-FAULT CLAIMS AND THEY TOOK CAR OF EVERYTHING WITH NO HASSLE.