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Crash Course:
- Mercury Insurance operates in 11 states.
- Mercury Insurance offers mechanical breakdown protection which functions like an automaker’s bumper-to-bumper warranty.
- A plan from Mercury Insurance includes roadside assistance, road hazard tire protection, rental car reimbursement, and trip interruption benefits.
Although Ford Motor Company’s Mercury brand was discontinued in 2011, there is another Mercury in the auto industry: Mercury Insurance. Through this provider, you can purchase a Mercury extended warranty to lengthen your vehicle’s mechanical breakdown protection.
This article will provide details about Mercury’s vehicle service contracts, including customer reviews, industry reputation, and more. We’ve also reviewed some of the best extended car warranty companies, and we’ll see how a Mercury extended warranty compares.
Mercury Extended Warranty: What You Need to Know
The Mercury Insurance Group offers a number of personal and commercial insurance services, including mechanical breakdown protection. Mercury sold its first policy in Los Angeles in 1962 and has since expanded to offer Mercury extended warranty contracts in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
Mercury Extended Warranty Coverage
There are four Mercury Mechanical Protection plans available for new and pre-owned vehicles. Each offers peace of mind and covers certain repair costs:
- Platinum: Exclusionary coverage that includes nearly all mechanical and electrical components
- Gold: Coverage for major systems plus the audio center, doors, latches, seat tracks, and wiper motor
- Silver: Powertrain coverage plus coverage for the steering, suspension, electronic ignition, and fuel systems
- Copper: Basic powertrain coverage for the engine, transmission, drive axle, starter motor, and air conditioning
Mercury Mechanical Protection Plan Exclusions
All vehicle service contracts exclude certain items and conditions, and Mercury extended warranties are no different. Some excluded auto repairs are as follows:
- Shocks
- Wheels
- Chassis
- Bumpers
- Alignments
- Brake pads
- Wiper blades
- Routine tune-ups
- Mirrors and glass
- Damage due to normal wear and tear
- Non-mechanical items such as vehicle trim and molding
- Damage due to poor maintenance practices such as infrequent oil changes or using the wrong type of fuel
These are all standard exclusions for vehicle protection plans.
Mercury Mechanical Protection Plan Added Benefits
In addition to the component coverage described in each plan, every Mercury warranty contract includes the following benefits:
- Rental vehicle assistance
- Trip interruption coverage
- Road hazard tire protection
- 24-hour roadside assistance, including towing coverage
- Auto deductible reimbursement (included only with Platinum coverage)
Mercury Insurance Group Reviews
Mercury Insurance Group is not accredited by the Better Business Bureau (BBB) and has a D rating. Mercury has received over 300 complaints through the BBB in the past three years. Considering the size of the company, this is a small number. Also, only a handful of those complaints were related to Mercury extended warranty products.
Customers who were upset with their Mercury extended warranties complained about trouble filing claims and rude customer service representatives. There were very few positive reviews on BBB. This does not mean Mercury has poor customer service, but the company does not enjoy as strong a reputation as some other providers.
How Do Mercury Extended Warranties Work?
To get a Mercury extended warranty quote, you can call 800-654-8455. Be prepared with your vehicle’s year, make, and mileage on hand, as well as your vehicle identification number (VIN).
All contracts are fully transferable and can be canceled for a full refund within 60 days. After 60 days, your Mercury extended warranty can still be canceled at any time for a prorated refund, but the company will charge you a $35 cancellation fee.
Claims
If your vehicle breaks down and needs a covered repair, take it to any licensed repair shop or dealer in the U.S. or Canada. Then, call the Mercury claims office at 800-652-8455 and let Mercury handle the rest.
Mercury Extended Warranty: Conclusion
Mercury has a strong reputation as an insurance provider. While it has negative reviews on the BBB, its coverage options are extensive and plans come with useful benefits.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
- Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.
*Data accurate at time of publication.
