Esurance vs. Mercury Insurance

The main Esurance NAIC number is 25712. Esurance's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Esurance's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need Esurance's NAIC number to report fraud or file an insurance claim, as well.

Although the main Esurance NAIC number is 25712, the NAIC has assigned a separate code for each of Esurance's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your Esurance insurance card. 

Esurance NAIC Numbers

Esurance's NAIC insurance codes are not the same as the three-digit numbers assigned to Esurance by the department of motor vehicles in each state. These numbers are issued by a state's insurance commissioner to companies that are authorized to sell policies in that state, and unlike NAIC codes, they aren't standardized nationwide.

To cancel Mercury insurance, you must 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 driving without insurance. If you've already paid your premium for the policy period in full, Mercury will refund the...

No, USAA does not have free roadside assistance included with its insurance policies. If you want roadside assistance from USAA, you will have to purchase a roadside assistance plan as an add-on to a car insurance policy.

USAA Roadside Assistance Includes:

• Towing to the nearest repair facility
• Flat tire changes
• Battery jump starts
• Gasoline delivery
• Lockout services
• Winching (for vehicles stuck in mud or snow)
...

Yes, Esurance offers a type of pay-per-mile insurance called DriveSense. This is technically usage-based insurance, which is similar to pay-per-mile coverage because it factors mileage into premium calculations, but it also considers driving habits such as braking and acceleration.

DriveSense Considers:

• Miles driven
• Speed
• The time of day that you drive
• Braking

It's important to note that these factors collectively affect a customer's insurance premium, so DriveSense...

Yes, Esurance offers non-owner car insurance. To qualify, drivers cannot own a car or live with anyone who owns a car. Esurance even offers non-owner insurance to drivers who need to file an SR-22 with their state to prove they have insurance.

Drivers can get a quote and purchase an Esurance non-owner policy by calling the company at 1-800-378-7262. Because non-owner policies are somewhat unusual, most companies, including Esurance, do not offer quotes online.

...

Yes, Mercury offers a type of extended warranty. Mercury's extended warranty program is called Mercury Mechanical Protection, and it covers repairs to the engine, transmission, drive axle, and brakes, among other things after the manufacturer's warranty has expired. The cost of Mercury's Mercury Mechanical Protection varies depending on the vehicle, but it averages about $800-$9000 for a 3-7 year term, depending on make, model, year and mileage.

In general, extended warranties are meant to...

Yes, Mercury offers gap insurance as an optional policy add-on. Mercury gap insurance pays the difference between a totaled car's actual cash value and your remaining loan or lease balance, though you will be responsible for paying a deductible. 

The cost of Mercury gap insurance depends on factors like your state and your vehicle's value. Regardless, purchasing gap insurance from an insurance company is usually a better investment than purchasing this coverage from a dealership, where...

The main Mercury NAIC number is 16810. Mercury's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Mercury's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers...

Yes, Mercury offers mechanical breakdown insurance for new or used cars that are less than 7 years old, have less than 100,000 miles, and are under their original manufacturer's warranty coverage. Mercury mechanical breakdown insurance (MBI) is a policy add-on that insures a vehicle against mechanical problems, such as transmission or engine failure, which are not covered by standard car insurance policies.

However, mechanical breakdown insurance will not pay for routine maintenance, wear and...

Full coverage car insurance with Esurance costs an average of $264 per month ($3,166 per year). Full coverage policies from Esurance typically include comprehensive and collision coverage, along with any other types of insurance required by state law, such as liability insurance or uninsured motorist coverage.

Average Cost of Full Coverage Car Insurance with Esurance