Mercury Extended Warranty

A Mercury extended warranty is one option for drivers in the market for additional coverage after their factory warranty expires. However, is it the best choice for you and your vehicle?

In this article, we’ll discuss the ins and outs of Mercury extended warranty coverage, including what is and isn’t covered, estimated price points and customer reviews.

Our review team has thoroughly researched the auto warranty industry and found the best extended car warranty providers currently available. We recommend comparing quotes to ensure you’re making the best purchase.

An extended car warranty refers to mechanical breakdown coverage offered by a vehicle manufacturer. However, this term is often mistakenly used to describe coverage from third-party companies. Independent providers offer similar protection through vehicle service contracts, but we’ve used the terms interchangeably in this article for convenience.

Is a Mercury Extended Warranty Worth It?

Mercury Insurance Group was founded in 1961 and today offers various insurance policies including homeowners and business insurance. However, for drivers looking for added peace of mind on the road, you can also purchase a Mercury extended warranty, known as a Mercury Mechanical Protection plan.

In terms of the company’s industry standing, Mercury holds an A- rating from the Better Business Bureau (BBB). With such a high rating, the company has demonstrated its ability to handle customer complaints well. However, that doesn’t mean every customer has been satisfied with the company’s services.

Here is an overview of our ratings for Mercury extended warranty coverage:

Is it worth it? Mercury extended warranty coverage is average, but it may be a good solution if you have an existing insurance policy with Mercury. If not, we recommend going with a provider that specializes in vehicle service contracts instead.

Mercury Extended Warranty Reviews

To get a better idea of what to expect from a Mercury extended warranty, we recommend checking out the company’s customer reviews. Mercury Insurance Group received an A+ rating from the BBB, but many of its reviews are negative.

However, most of these customer experiences reflect how the company handled insurance claims rather than extended warranty claims. With that in mind, it’s difficult to gauge customer satisfaction with a Mercury extended warranty.

On one hand, the company could work with customers the same way, regardless of claim. On the other hand, a different department may handle extended warranty claims, so the customer experience could be very different.

Mercury Extended Car Warranty Coverage

There are three Mercury extended warranty plans for new and used cars: Ultimate, Deluxe and Select. Mercury doesn’t advertise a maximum term limit for its coverage, but when we called to get a quote for a vehicle that was 8 years old and had 64,000 miles on it, we were offered a plan to cover us an additional 4 years/61,000 miles, or until the vehicle was a total of 12 years old and had 125,000 miles on the odometer.

Here’s an overview of each mechanical protection plan:

• Ultimate: A bumper-to-bumper extended warranty that includes nearly all mechanical vehicle parts, minus a short list of exclusions
• Deluxe: Includes all components covered under the lower-tier Select, plus a few more parts within each category as well as the vehicle’s fuel system, high-tech electronics, suspension, steering and hybrid/electric systems
• Select: Covers just parts of your engine, transmission, transfer case, transaxle, brake system, electrical system and air conditioning

If you sell your vehicle to another owner after purchasing a Mercury extended warranty, the coverage is transferable to a secondary owner for a small fee. You also can cancel your contract at any time. However, any cancellations made 60 days after purchase will be refunded on a prorated basis.

What’s Not Included in the Mercury Extended Warranty?

With any extended warranty, certain exclusions apply. Mercury extended warranty coverage does not cover:

• Routine maintenance services
• Non-mechanical items such as vehicle trim and upholstery
• Normal wear-and-tear items like batteries and brake pads
• Damage resulting from a lack of maintenance
• Damage resulting from misuse or abuse

Unlike with your factory warranty, you have flexibility with your repair shop choice. Any covered repair can be performed at a licensed repair facility in the U.S. or Canada.

Additional Perks

With any Mercury extended warranty, you’re also covered for:

• 24-hour roadside assistance: Covers towing, lost key replacement and lockout services up to $100 per occurrence
• Rental vehicle assistance: Covers alternative transportation (like a rental car) up to $35 per day for a maximum of five days in the event of a mechanical breakdown
• Trip interruption coverage: Covers lodging and meals up to $150 per day for up to three days if your vehicle breaks down more than 100 miles from home

Cost of a Mercury Extended Warranty

We reached out to the provider to get a Mercury extended warranty quote for a 2013 Ford Focus with 64,000 miles on the odometer. We were offered the following quotes:

These prices are about average for the auto warranty industry. However, coverage costs are highly personalized. A few factors can affect your overall Mercury extended warranty cost, including your:

• Deductible: When you’re choosing a deductible, know that low or $0 deductibles tend to result in a higher overall coverage cost.
• Coverage length and type: Longer, more comprehensive coverage plans usually cost more than shorter, basic alternatives.
• Vehicle make, model and age: Warranties for luxury, high-mileage, older and less-reliable cars all tend to be more expensive.

How to Get a Quote and File a Claim

To get a quote for a Mercury extended warranty, you’ll need to call the company at 800-654-8455. We recommend having your vehicle identification number (VIN) and odometer reading handy. When we called, the process took less than five minutes and we were emailed a copy of our quotes along with a brochure outlining each coverage plan. There was no pressure to purchase, which is nice when dealing with an extended warranty company.

To file a claim with Mercury, take your vehicle to any licensed repair facility or dealership in the U.S. and ask that they call the number above to confirm coverage before any repair work begins. We also recommend calling Mercury yourself to make sure you know exactly what in your claim be covered. Once repairs are completed, Mercury will pay the repair shop directly, and you’ll only be responsible for your deductible.

Mercury Extended Warranties: Conclusion

Overall, we give Mercury extended warranty coverage a 6.6-star rating. The provider’s coverage options are run-of-the-mill and pricing is fair, but Mercury Insurance Group’s negative customer reviews are a bit concerning. Unless you already have an insurance policy with Mercury, we recommend checking out other reputable extended car warranty companies.

How We Rate Car Warranty Companies

Our review team extensively researches extended car warranty providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: Warranty providers that earn strong ratings from the Better Business Bureau (BBB), work with reliable partners and administrators, and have a long history in the warranty industry score well in this category.
• Coverage Plans: We take a close look at the coverage plans available through each provider, including how many are offered, maximum term limits, plan exclusions, and more. We also evaluate the added benefits companies include with their warranty plans, such as roadside assistance and trip interruption benefits.
• Pricing: Our team performs a secret shopper analysis for a variety of vehicles and coverage plans to get a sense of a provider’s average costs. We see how each company’s pricing, deductible options, and discount opportunities compare to competitors when determining this score. 
• Transparency: We evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
• Customer Experience: We consider customer reviews and complaints from sites like the BBB and Trustpilot. Our team also reaches out to customer service reps during our secret shopper analysis to get a sense of the customer experience with each company.

*Data accurate at time of publication.