The first thing to know about Mercer Insurance Associates is that the company is not an insurance provider. Mercer is an insurance agency, which means that it helps customers find insurance policies by working with a handful of different auto insurance providers.

In this article, we’ll take a closer look at Mercer auto insurance coverage, plus discounts and customer reviews. Then, we’ll see how Mercer stacks up to some of the best car insurance companies in the nation.

A broker can be a great way to compare auto insurance quotes, but when you use a broker you will only have access to the providers that the company works with. Because of this, we recommend getting a few of your own quotes and comparing rates. Call (844) 246-8209 to start comparing personalized car insurance quotes.

 

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About Mercer Insurance Associates

Based in Princeton, West Virginia, Mercer Insurance Associates has been in the insurance business since 1995. The agency has an A (Excellent) financial strength rating from AM Best. Because it is an insurance agency, Mercer does not sell its own policies. Instead, it sells coverage through the following insurance providers:

  • Dairyland Auto
  • Dairyland Cycle
  • Erie Insurance
  • Highmark Blue Cross Blue Shield of West Virginia
  • Municipal Mutual of West Virginia
  • Progressive
  • West Virginia National Auto Insurance Company
  • Farmers Mutual Insurance Company

Why use an insurance agency instead of contacting providers directly? Many consumers appreciate working with an agent who can help navigate coverage options. Agents may also be helpful in finding the lowest rates based on your driver profile. However, there are a number of pros and cons to consider when working with an insurance agency.

Pros Cons
Professional help understanding the complex insurance marketplace Possibility of increased rates due to Mercer being the middleman
Existing relationships with auto insurance providers with the possibility of special deals Certain carriers or policies may be pushed due to deals with insurance companies
In-person customer service representatives  
 

Mercer auto insurance is just one of the personal insurance products offered by Mercer Insurance Associates. You can get coverage including personal umbrella insurance to take care of legal expenses if you are sued and high net worth insurance, which covers things like secondary residences and even ransom fees if you are kidnapped.

  • ATV insurance
  • Auto insurance
  • Boat and marine insurance
  • Collector car insurance
  • Condominium insurance
  • Earthquake insurance
  • Flood insurance
  • High net worth coverage
  • Homeowners insurance
  • Life insurance
  • Motor home/RV insurance
  • Motorcycle insurance
  • Personal umbrella insurance
  • Personal watercraft insurance
  • Rental property insurance
  • Renters insurance
  • Snowmobile insurance
  • Valuable items insurance

 


 

Mercer Auto Insurance Coverage

With Mercer auto insurance, you can get the following standard types of car insurance coverage:

  • Liability auto insurance: Covers injuries and property damage for other drivers in accidents that you cause
  • Collision insurance: Covers your vehicle no matter who is at fault
  • Comprehensive car insurance: Covers your vehicle from environmental factors such as floods, fires, and fallen tree branches, as well as things like theft and vandalism
  • Medical payments: Covers medical expenses for you and your passengers
  • Uninsured/underinsured motorist: Covers you when you are in an accident with a driver who has no insurance or too little insurance

Depending on the auto insurance company that underwrites your policy, you may be able to purchase additional coverage like roadside assistance and rental car reimbursement. Erie Insurance appears to be Mercer’s provider of choice, as the agency claims to specialize in Erie.

 


 

Mercer Auto Insurance Rates And Discounts

How much you pay for auto insurance depends on a number of factors, including information about yourself and your vehicle. The Insurance Information Institute found that drivers in West Virginia paid an average of $913.39 for car insurance in 2017. Some drivers purchased only the minimum requirements, while others had more comprehensive policies.

No matter what, it's best to shop around and get personalized prices. Call (844) 246-8209 to get started with free quotes.

 

Common factors that impact car insurance rates include:

  • Age
  • Gender
  • Marital status
  • Location
  • Vehicle make and model
  • Driving record
  • Credit score

Mercer auto insurance agents are familiar with the average cost and discounts of insurance providers that Mercer partners with, so they should be able to match you with a provider that fits your budget. Common discounts offered by providers include savings for safe drivers and good students, but this varies.

 


 

Mercer Insurance Associates Reviews

At the time of publication, Mercer Insurance had only 12 reviews on Google for an average 4.5-star rating. Typically, we look to the Better Business Bureau (BBB) to get an idea of a company's reputation. However, Mercer Insurance Associates does not have a BBB profile, likely due to its size.

Reviews on Google and Facebook are mostly positive, with some negative reviews from customers who complained about claims payouts. It’s important to note, though, that claims could be handled by the auto insurance providers that Mercer partners with rather than the agency itself. All negative reviews received a response from Mercer.

 


 

Our Take On Mercer Auto Insurance: 3.0 Stars

Mercer Insurance Associates offers standard car insurance coverage in West Virginia with mostly positive customer reviews. Compared to other insurance agencies, Mercer isn’t partnered with many providers, so your options will be limited when you get a quote. But Mercer auto insurance could be a great choice if you find a good policy with one of the providers.

If you live in another part of the United States or if you prefer to work directly with a car insurance provider, we recommend considering other options. You may be able to find cheaper rates yourself by reaching out for several auto insurance quotes and comparing prices.

 


 

Top Recommendations For Car Insurance

When we compared the top car insurance companies in the country, Geico and Progressive were two that pulled ahead of the pack. Both earned ratings of 4.5 out of 5.0 stars after extensive research into coverage, cost, and the claims process.

When you’re ready to start comparing car insurance quotes, call our team at (844) 246-8209.

 

Geico: Best Overall

We recommend Geico auto insurance because it has low rates and strong customer reviews. With Geico, you can get standard coverage as well as extra types of coverage like roadside assistance, rental car reimbursement, and mechanical breakdown insurance.

Geico offers a number of discount opportunities, including a good driver discount and a multi-policy discount. Overall, we think the insurer has the best value in the industry.

To learn more, read our full Geico review.

Progressive: Best For High-Risk Drivers

Drivers having a difficult time finding affordable coverage, including those in their 20s and those with DUIs on record, should check out Progressive car insurance. Progressive is an auto insurer with a long history and established reputation. Low-cost policy options, valuable add-ons, and a strong financial standing make it one of our top choices for car insurance.

Progressive is in the Mercer auto insurance network, but you may find a cheaper rate by getting a quote directly from Progressive.

To learn more, read our full Progressive insurance review.

 


 

Frequently Asked Questions

What is the difference between an insurance agency and an insurance carrier?

An insurance agency does not provide insurance policies. Insurance agencies help match customers to policies by working with a number of insurance carriers. These carriers underwrite policies and pay out on claims.

What insurance providers does Mercer Insurance Associates sell?

Mercer Insurance Associates works with the following insurance companies:

  • Dairyland Auto
  • Dairyland Cycle
  • Erie Insurance
  • Highmark Blue Cross Blue Shield of West Virginia
  • Municipal Mutual of West Virginia
  • Progressive
  • West Virginia National Auto Insurance Co.

How do I cancel my insurance policy?

The process for canceling an insurance policy depends on your insurance provider. If you purchase Mercer auto insurance, a Mercer agent can guide you through the cancellation process.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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