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 from a few of our top picks below to ensure you’re making the best purchase.
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 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.
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:
|Mercury Extended Warranty |
|Term length||Deductible||Mercury Extended Warranty |
|Ultimate||37 months/31,000 miles||$100||$2,998|
|Deluxe||49 months/61,000 miles||$100||$3,240|
|Deluxe||37 months/31,000 miles||$100||$1,849|
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 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.
Our Verdict on Mercury: 6.6 / 10.0
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.
Our Picks for Best Extended Car Warranties
Before committing to any provider, it’s smart to get quotes from multiple providers. Endurance and CARCHEX are two extended car warranty providers that thoroughly impressed our research team based on their coverage, industry reputation, customer service, cost and overall transparency. Read more about them and get free quotes from each provider below.
Endurance: Best Provider
Endurance is our top choice for extended vehicle coverage. There are six plans to choose from, including the EnduranceAdvantageTM plan, which combines mechanical breakdown protection and coverage for routine maintenance services like oil changes. All Endurance contracts come with a free year of Endurance Elite Membership, which gives drivers perks like tire replacements, identity theft protection, repair financing loans and more.
Read our full Endurance warranty review for more, or click below to receive a free, personalized quote from the provider.
CARCHEX: Runner-Up, Best Provider
Another highly recommended vehicle service contract provider is CARCHEX. This company has five plans that can cover vehicles up to 250,000 miles, so it’s a great choice for drivers of older vehicles. CARCHEX is backed by industry experts like Edmunds.com, CARFAX and Kelley Blue Book. It’s also one of the only warranty companies to hold an A+ rating from the BBB.
Read more information in our full CARCHEX review, or click below to get a free quote from the provider.
The Detroit Bureau collects data from every major car warranty provider to formulate rankings of the best warranty companies. Our in-depth rating system takes into account coverage, pricing, transparency, customer satisfaction and ratings from industry experts. Each provider is given a weighted score in five categories, as well as an overall score out of 10.0.
We recommend auto warranty companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.