American Access Casualty Company vs. Mercury: Which Company is the Best Fit for You?

Quick Facts

• In general, American Access Casualty Company offers slightly cheaper premiums than Mercury
• American Access Casualty Company tends to be a much more affordable option for drivers who have a speeding ticket on their driving record
• Mercury offers more affordable rates for policyholders who live in rural neighborhoods

American Access Casualty Company or Mercury: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to American Access Casualty Company or Mercury, but which carrier will offer you less expensive prices?

As you can see, Mercury is around $16 more a month than American Access Casualty Company when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean American Access Casualty Company will be the cheaper option for every driver. Insurance carriers vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a ton of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if American Access Casualty Company or Mercury is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

American Access Casualty Company vs. Mercury: Average Car Insurance Rates by State

American Access Casualty Company and Mercury only compete against each other in Nevada, where Mercury offers the cheaper average rates. Mercury drivers tend to pay about $39 per month less on average compared to drivers who use American Access Casualty Company for their car insurance.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. Generally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Mercury save 1% a month compared to those who use American Access Casualty Company.

But both carriers will drop rates by the time drivers turn 25. Mercury offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American Access Casualty Company still has the lowest premiums at $227 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which company offers the best premiums to retired drivers? American Access Casualty Company gets the edge, with rates for drivers 65 and older over 10% more affordable than the national average for Mercury.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance premiums than married couples. That's usually because married drivers tend to own and insure several vehicles, which can often earn you a discount.

If you're in the market for auto insurance, American Access Casualty Company tends to have the most affordable average prices regardless of if you're married or single, with prices about 4% less expensive for those who are single and around 7% more affordable for married policyholders.

American Access Casualty Company or Mercury: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll normally end up paying more for car insurance than women.

With American Access Casualty Company, men generally pay about $30 per month more than women, and around $14 more with Mercury.

When it comes to the cheapest rates for each gender, American Access Casualty Company comes out as the lowest option for both genders, with average prices $9 less for men and $23 cheaper for women.

American Access Casualty Company vs. Mercury: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

When it comes to state minimum limits for liability insurance, Mercury has the edge, while American Access Casualty Company offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with Mercury Insurance, while full coverage comes out to be about $45 cheaper with American Access Casualty Company.

Is American Access Casualty Company or Mercury Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your rates, but is American Access Casualty Company or Mercury less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use American Access Casualty Company for their car insurance can usually expect their monthly bill to go up around 9% after getting a speeding ticket. Mercury policyholders can expect a bit more drastic of an increase of about 19%.

Even so, American Access Casualty Company is typically the more affordable option for drivers both with clean records and with a ticket, offering premiums that are 0% and 12% less expensive, respectively, compared to Mercury Insurance.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company policyholders who get in an accident can expect to see their prices climb by just under 30%, while those who have insurance through Mercury will see around a 30% increase.

At the end of the day, American Access Casualty Company offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $332 compared to Mercury Insurance's $346.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or speeding ticket. Mercury drivers usually see a 22% increase in their insurance prices after a DUI charge, while American Access Casualty Company will typically raise premiums by about 18%.

How does Credit Score Impact American Access Casualty Company and Mercury Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect several drivers out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the lowest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company or Mercury Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly car insurance cost? That's because the more milage you put on your vehicle each year, the more likely you are to be in an accident and file an insurance claim.

In this case, neither American Access Casualty Company or Mercury report increasing prices for drivers with higher annual mileage figures. Still, American Access Casualty Company comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $279 a month for both.

American Access Casualty Company or Mercury: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Looking at these carriers side-by-side, Mercury tends to offer the cheapest option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

Those in rural areas can expect to pay around $209 a month with Mercury and $282 with American Access Casualty Company. Drivers in suburban ZIP codes pay a monthly rate of about $145 with American Access Casualty Company compared to $275 with Mercury. For drivers in urban ZIP codes, Mercury's average prices are around $401 per month compared to American Access Casualty Company's $411.

American Access Casualty Company vs. Mercury Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Access Casualty Company and Mercury so that you can see which company can save you the most money each month.

Mercury knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 27 different discounts to American Access Casualty Company's 27.

There are a couple discounts both companies offer, but Mercury also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, American Access Casualty Company has a few proprietary discounts of their own like prior insurance discounts and renewal discounts.

Final Thoughts: Is American Access Casualty Company or Mercury Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance company is the best one for you, your vehicle, and your wallet?

American Access Casualty Company might be best for you if....

• You will be the only person on the auto insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower rates.

Mercury might be best for you if...

• You already have a great credit score.
• Your home is in a busy urban area.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare American Access Casualty Company and Mercury and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just American Access Casualty Company and Mercury. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Mercury FAQs

Is American Access Casualty Company or Mercury cheaper?

American Access Casualty Company is the cheaper of the two companies when looking at national average prices, with policies averaging $279 a month with American Access Casualty Company and $295 for Mercury. However, that doesn't mean American Access Casualty Company will be the lowest carrier for everyone, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Mercury?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Mercury is less expensive for drivers with excellent credit, while American Access Casualty Company offers more affordable premiums for drivers with a recent DUI.

Why do American Access Casualty Company and Mercury offer me different rates?

Car insurance carriers use lots of different variables when determining the rates they charge. Factors like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and Mercury use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if American Access Casualty Company or Mercury is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't American Access Casualty Company or Mercury at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.