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Mercury Insurance Group was formed in 1961. Mercury Car Insurance Company offers some of the lowest rates available for individual, family and businesses. It was one of the first companies to utilize a multi- risk factor pricing when offering quotes to its customers. It has received an A+ rating from A.M. Best (one of the nation's premium automobile rating companies).

Mercury writes automobile insurance mainly in California (it is the third largest automobile insurer in that state) but also offers automobile insurance coverage in Florida, Arizona, Georgia, Illinois, Michigan, Nevada and New York. The company's philosophy is to maintain strict underwriting, cost control and claims management to ensure that they can offer their customers the lowest possible insurance rates.

Mercury offers 24 hour claims services and has a pre approved list of repair shops to ensure that you are receiving the highest level of customer service. The company offers also the convenience of paying your auto insurance premiums online.

Mercury also offers commercial automobile insurance for people and companies that utilize their vehicles for business. Their commercial auto program is competitively priced to ensure that their customers remain recipients of the best possible rates.

Mercury Car Insurance offers umbrella coverage to protect you in the event an occasion arises where your automobile insurance doesn't cover or excludes you from filing a claim. If you are a current a Mercury customer then you can purchase umbrella policies that offer additional coverage ranging from 1 million to 5 million dollars.

Mechanical breakdown coverage is another product offered by Mercury Car Insurance's subsidiary American Mercury Insurance. The coverage is available for new and used vehicles and will allow repairs at any licensed repair shop. Breakdown coverage covers towing services, rental car expenses, trip interruption, and even tire protection.

If you live in one of the states that Mercury Car Insurance Company offers coverage in then Mercury may be a great choice for your car insurance needs. Of course, you should shop around and compare rates from many different insurers before you decide to make a buying decision.

Get started comparing car insurance rates today!

It's a widely known fact that the majority of road accidents are caused by drivers who have only recently passed their test; but it's unclear as to whether this is actually due to reckless driving or if there's another, less obvious cause.

Everybody looks upon a newly-passed driver as a speed demon who can't wait to show off to friends and put foot to the floor. But in reality, a young driver is often more likely to be cautious when venturing out alone for the first time behind the wheel. While hesitancy on the roads can cause accidents if surrounded by less than vigilant experienced drivers, the cause is far more likely to be the car itself.

Although some doting parents buy their child their first car, this isn't a luxury afforded to every new driver. Often the treasured first car will be an older model, bought for 200 and paid for by the driver with hard-earned savings. This car will be significantly different to the one used by the driving school; the latter cars tend to handle properly, run smoothly with no juddering or spluttering, and generally behave themselves. An older car can be fraught with problems such as poor steering, worn brake disks, a faulty petrol gauge - all of which make for a car needing an experienced hand to control properly.

Young drivers tend to forget that things like tyre pressure, radiator water, windscreen washer fluid, engine oil, brake fluid and power steering fluid all need to be checked on a regular basis. Failure to do so can result in breakdowns and an out of control car, which the new driver may not be confident enough to handle. Even basic car maintenance like checking the tread on your tyres, making sure your lights work, replacing wiper blades when necessary and keeping your windows clean can help to reduce the likelihood of an accident.

So, it's not necessarily bad driving which makes insurers quote sky-high premiums for young drivers. The lack of basic car maintenance knowledge and the inability to handle the quirks of an older car can contribute greatly. The logical solution is to buy a car straight from the dealership if possible; not only will you be getting a car which handles similar to the driving school one you're used to, but you could also get the benefit of a year or two free insurance. This can tide you over until you've proved you can drive safely without accidents. And if you are in an accident, a newer car will more than likely have more safety features.

Cheap car insurance isn't in abundance for a new driver, but buying a new car can help get a lower premium due to safety and reliability. Consider buying a brand new car with free insurance to start you on the road to lower car insurance once you've gained experience on the roads.