Merchants Auto Insurance Review

Updated October, 2020
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Merchants Auto Insurance is one of the top-rated providers in the eastern United States. They have excellent customer service and a depth of local knowledge in order to help secure the best policies possible for customers.

Merchants Auto Insurance overview

Merchants Insurance provides a wide variety of insurance services to residents of Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania and Vermont. Claims are easy to process either online or over the phone with an agent. Merchants Auto Insurance offers multiple different customization options and discounts to customers. Their website is easy to use and has a variety of resources available.

Pros

  1. Local agents: Merchants Auto Insurance has staff focused solely on serving customers in each region. These agents possess an in-depth knowledge of the local area and are committed to providing good service to their customers.
  2. Customized underwriting: Build a policy that’s exactly right for your driving needs.
  3. Online website: Their online website is easy to access and has a variety of tools for customers to use, including billing, claims, and policyholder access.
  4. Excellent customer service: Merchants Insurance offers high-quality customer service to help create your policy and provide support in case of an accident or any other issue you may have..

Cons

  1. Available only in select areas: Merchants Auto has a number of locations that offer protection to residents of Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania and Vermont. If you don’t live in their coverage area, you’ll have to find another insurer.

Coverage options

  • Liability: Provides coverage for any damage done by you to other cars.
  • Collision: Provides coverage for damage done by colliding with another car or object.
  • Comprehensive: Provides coverage for damage outside of your control, such as theft, vandalism, fire, and acts of nature.

Merchants car insurance discounts

Here are some discounts you may be eligible for:

  • Good Student: Students qualifying as honor students may be eligible for discounts. Speak with a Merchants agent to find more about what grades qualify you for this discount.
  • Paid in Full: Customers who pay the full amount of their coverage at the time of purchase can receive some additional discounts.
  • Multiple Policies: Customers who bundle different policies together from Merchants Insurance, such as home and auto policies, may qualify for discounts.
  • Others: Other discounts may be available to customers. We recommended speaking with a Merchants agent to see what additional discounts you may qualify for.

Consider Merchants Auto Insurance if...

You’re seeking a large insurance company with regional care, a variety of customizable policies, and excellent customer support. Merchants has easy access through the phone or online.

Consider alternatives to Merchants Auto Insurance if...

If you’re not a resident of one of their covered states, you’ll have to look elsewhere.

What’s my best insurance option?

When shopping for car insurance it's important to compare several quotes side-by-side. This gives you the best pricing & coverage options.

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Get cheap insurance quotes, today!
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