In many US states, it’s mandatory to get auto insurance. And just in case you need any further motivation to get one, then do consider the following statistics: on the average, someone gets hurt in a car mishap every 11 seconds, an automobile crash happens every five seconds, and a life-threatening injury takes place every 12 minutes.
So apart from the fact that you’re obliged to get car insurance, it really does provide the peace of mind you need while on the road. After all, even though you may consider yourself a great and safe driver, you cannot vouch for all the others driving on the same street as you.
To help you in your search for a good car insurance provider, we’ve taken a quick look at AIG and Mercury insurance to see how they fare against other carriers.
A Look at AIG and Mercury Car Insurance
Two big firms in the auto insurance business are AIG and Mercury. AIG Auto Insurance holds one of the biggest member policyholder numbers, and is an American International Group member. Mercury Car Insurance Company has insurance available for families, businesses and individuals. It writes auto insurance mainly in the California region but Mercury also offers car insurance coverage in other states.
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AIG auto insurance focuses on owners with high-value vehicles. The firm’s pricing strategy benefits people owning many pricey vehicles and searching for special protection. AIG provides the following coverage.
• Deductibles Waived. Deductible are relinquished in situations of total loss.
• Extra-vehicle discount. Markdowns for any other vehicles you insure with the same provider.
• Unlimited Capacity, including physical damage to regular-use autos, specialty vehicles and collector cars.
• Agreed value. Autos are insured for specific agreed-upon amounts between the AIG Private Client Group and the owner. In case of partial loss, there is no deduction provided for parts depreciation.
Other features of AIG coverage include multi-policy, multi-vehicle and mature driver discounts, transportation replacement, OEM parts, vehicle lock, coverage for rented vehicles, loan/lease gap coverage, and accidental airbag deployment.
Mercury auto insurance, on the other hand, has 24-hour claims services. The company has a list of pre-approved repair shops providing quality customer service. With Mercury, people can pay their car insurance premiums either online or at a nearby office.
Aside from personal auto insurance, commercial insurance is also available at Mercury. This is for firms and people using their autos for business. Mercury car insurance also has ‘umbrella coverage’ to protect people in case an occasion comes up and their auto insurance does not cover or excludes them from filing claims.
Good car policies do not mean they have to be super expensive. And now that you know that both AIG and Mercury extend various discounts and savings, you only need to ask which ones are applicable to you.