How do I file a complaint about Mercury?

To cancel Mercury insurance, the policyholder notify their agent directly by calling, mailing, or meeting in person. You will need to provide basic information about yourself, your Mercury policy number, and the date you would like your policy to end. Mercury may also ask for the details of your new car insurance policy to verify you won’t be … read full answerdriving without insurance. If you’ve already paid your premium for the policy period in full, Mercury will refund the unused portion, minus any cancellation fees.

How to Cancel Mercury Insurance Policies

• Cancel by phone by calling your agent directly at the phone number listed on the back of your insurance card.
• Cancel my mail by writing a letter that includes your name, address, phone number, policy information, reason for canceling, and the date you would like your policy to end. Sign, date, and mail your letter to: Mercury Insurance / 555 W Imperial Hwy / Brea, CA 92821-4802.
• Cancel in person by visiting your nearest Mercury Insurance office and speaking with an agent.
• Pay the cancellation fee. Mercury charges a cancellation fee of 10% of your remaining premium, so if you still owe $300 on your policy, you'll pay a $30 penalty fee to cancel coverage.

It’s important to remember that you don’t need to cancel your policy just because you’re going through some life changes. For example, you should have Mercury update your mailing address or vehicle information if you’re moving or buying a new car.

In addition, if you’re canceling your current policy in order to switch to another company, be sure to activate your new policy before canceling the old one. This prevents a lapse in coverage, which would lead to higher premiums in the future.

To learn more, check out reviews and other information about Mercury on WalletHub.

Mercury is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Mercury costs an average of $56 per month, and Mercury premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and anti-theft device discount. Plus, Mercury rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.… read full answer

Average Monthly Rates for Mercury vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Mercury is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub’s review of Mercury and see Mercury’s full profile.

To negotiate a settlement with an insurance claims adjuster:

1. Start by filing a claim and sending a completed proof-of-loss form to your insurer as soon as possible, if you haven’t already done so.
2. Wait to receive the insurance adjuster’s settlement offer (exact timeframes vary by state).
3. Make a counteroffer if you are not satisfied with the adjuster’s offer.… read full answer
4. Provide the adjuster with any evidence or documentation supporting your counteroffer.
5. Reach a final settlement and put it in writing.

The best way to make the negotiation process move smoothly is to document your property damage and medical expenses as much as possible. The more evidence you have, the better your chances are of having your claim settled. Generally, bodily injury claims are more complicated to settle than property damage claims.

You should also remember that insurance companies don’t always operate with your best interests in mind. So, don’t feel obligated to accept the first settlement offer that they make, especially if you know that you’re entitled to more.

If negotiations are unsuccessful, you can consider hiring an attorney to help you through the process. But if you think the insurer is acting in bad faith, then you should report them to your state’s regulator.