Mercer Auto Insurance Review for 2024
Mercer and UFG (United Fire Group) merged to expand auto insurance coverage nationwide. Read on to learn what kind of coverage you can get from the merged groups and to compare rates from other car insurance providers as well.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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UFG / Mercer Auto Insurance Review
Strangely, there isn’t much information out there on the customer service of UFG. However, despite the lack of information, the BBB has given them an A+ rating. It should also be noted that within the last few years, the BBB has only received 5 complaints from unhappy customers. And as far as their financial strength is concerned, they have an “excellent” rating (A) from the reliable A.M. Best.
| Ratings Agency | Rating |
| AM Best | A (excellent) |
| Better Business Bureau | A+ |
UFG / Mercer Auto Insurance Discounts
Their customer service reputation isn’t the only thing that a potential customer might have trouble finding information on when it comes to UFG/Mercer. While most companies will at least list their available discounts online, if not the maximum potential savings you can hope to qualify for, no such information is available from UFG. They do imply, however, that there may be a multi-policy discount available to customers who purchase more than just auto insurance. But you’ll have to check with a local Mercer/UFG agent to know for sure.
UFG / Mercer Auto Insurance Options
Again, the lack of information regarding UFG automotive insurance policies extends to what types of auto insurance coverage options they offer as well. One would assume that they at least offer the bare minimum required to drive legally in your state. But you’ll probably have to contact a local agent for more details.
- Broad Property Damage coverage options
- Liability coverage options
- RoadAssist 24/7
- Motorcycle Insurance
Comparing Mercer / UFG Car Insurance Quotes
Do you know what the average rates are for car insurance quotes near you? If not, then perhaps looking at the chart below can give you some insight as to what you should be paying for automotive coverage in your area:
Auto Insurance Quote Comparison
Legend:
Allstate
State Farm
Mercury
Average Rate
Illinois Average
California Average
Texas Average
Florida Average
New York Average
25
50
75
100
125
150
175
200
225
250
275
300
325
350
$52
$34
$89
$34
$146
$139
$88
$64
$71
$89
$260
$105
$147
$230
$353
$126
$72
$93
$231
$93
Of course, these are estimates from different population centers across the country. If you live somewhere more rural, your rates might be lower due to a decreased accident risk. But if your risk is higher based on things like credit score or accident history, then your rates may be higher. This is why it’s so important to compare multiple quotes from several companies if you want to make sure you’re getting the best deal.
Pros and Cons of Mercer / UFG Car Insurance
| Pro | Con |
| Nationwide availability with a small company feel | Not as technologically advanced as most other auto insurance providers; very little information available online |
| Business conducted through a network of local agents for personal, trust-based customer service | You’ll have to contact an agent directly in order to get a quote |
Is a vehicle insurance policy from Mercer/UFG right for you? Well, the answer to that question is still a bit of a mystery. The good news is that despite their size, their goal is to operate with a personal, small-business feel to make their customers feel more comfortable and foster a sense of trust. However, there is very little information available about the company, the specific coverages they offer, and whether or not current and previous customers are satisfied with their service. If you end up getting a quote from a UFG agent, make sure you compare that number to at least 3-5 other insurers near you. Doing this helps guarantee that you’re getting the best service for the most affordable rate.
Company HeadquartersP.O. Box 278
Pennington, NJ 08534
www.unitedfiregroup.com
1-800-223-0534