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In many US states it is mandatory to get car insurance. And only if you need additional motivation to get one, consider the following statistics: on average, someone gets injured in car accident every 11 seconds, a car crash occurs every five seconds, and a life-threatening injury takes place every 12 minutes.
So, apart from the fact that you are required to get a car insurance, it really gives you the peace and quiet you need while you are on the road. After all, when you can consider yourself a good and safe driver, you cannot guarantee everyone else who runs the same street as you.
To help you when looking for a good car insurance provider, we have looked at AIG and Mercury insurance quickly to see how they are moving towards other carriers.
A look at AIG and Mercury Car Insurance
Two large companies in the car insurance industry are AIG and Mercury. AIG Auto Insurance has one of the largest members of the policyholders and is an American international group member. Mercury Car Insurance Company has insurance available for families, businesses and individuals. It writes car insurance mainly in California, but Mercury also offers car insurance in other states.
AIG Car Insurance focuses on owners with high quality vehicles. The company's pricing strategy benefits people who own many expensive vehicles and seek special protection. AIG provides the following coverage.
o Draft deduction. Deductible waives in situations with total loss.
o Extra ticket discount. Markdowns for all other vehicles you insure yourself with the same supplier.
o Unlimited capacity, including physical damage to ordinary cars, special vehicles and collectibles.
o Agreed value. Cars are insured for specific agreed amounts between AIG Private Client Group and the owner. In case of partial loss, there is no deduction for partial depreciation.
Other features of the AIG coverage include multiple policies, multi-vehicle and mature driver discounts, transport exchanges, OEM parts, vehicle locks, leased vehicle coverage, loan / lease coverage, and accidental airbag deployment.
Mercury auto insurance, on the other hand, has 24-hour claim services. The company has a list of pre-approved repair shops that provide high quality customer service. With Mercury, people can pay their car insurance premiums either online or in a nearby office.
Apart from personal car insurance, there is also commercial insurance on Mercury. This is for companies and people who use their cars for business. Mercury car insurance also has "umbrella coverage" to protect people if an opportunity arises and their car insurance does not cover or exclude them from the claim.
Good car policy doesn't mean they have to be super expensive. And now that you know that both AIG and Mercury are extending different discounts and savings, you just need to ask which ones are applicable to you.