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Mercer and UFG (United Fire Group) Merge to Expand Auto Insurance Coverage Nationwide

AutoinsuranceEZ.com Rating: ★★★★☆ 

Less than a decade ago, the Mercer Insurance Company merged with an insurance entity known as the United Fire Group (UFG). This merger opened up the national market so that drivers now have access to Mercer/UFG insurance in all 50 states. However, because the company issues policies through a loose network of agents nationwide, the fact that UFG is in your state may not guarantee that it’s available in your city. For more details on UFG/Mercer insurance, keep reading.

UFG Insurance Review

Strangely, there isn’t much information out there on the customer service of UFG. However, despite the lack of information, the BBB has given them an A+ rating. It should also be noted that within the last few years, the BBB has only received 5 complaints from unhappy customers. And as far as their financial strength is concerned, they have an “excellent” rating (A) from the reliable A.M. Best.

Ratings Agency Rating
AM Best A (excellent)
Better Business Bureau A+

UFG Insurance Discounts

Their customer service reputation isn’t the only thing that a potential customer might have trouble finding information on when it comes to UFG/Mercer. While most companies will at least list their available discounts online, if not the maximum potential savings you can hope to qualify for, no such information is available from UFG. They do imply, however, that there may be a multi-policy discount available to customers who purchase more than just auto insurance. But you’ll have to check with a local Mercer/UFG agent to know for sure.

UFG Auto Insurance Options

Again, the lack of information regarding UFG automotive insurance policies extends to what types of coverage they offer as well. One would assume that they at least offer the bare minimum required to drive legally in your state. But you’ll probably have to contact a local agent for more details.

  • Broad Property Damage coverage options
  • Liability coverage options
  • RoadAssist 24/7
  • Motorcycle Insurance

Comparing UFG Insurance Quotes

Do you know what the average rates are for car insurance quotes near you? If not, then perhaps looking at the chart below can give you some insight as to what you should be paying for automotive coverage in your area:

Auto Insurance Quote Comparison Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 25 50 75 100 125 150 175 200 225 250 275 300 325 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

 
Of course, these are estimates from different population centers across the country. If you live somewhere more rural, your rates might be lower due to a decreased accident risk. But if your risk is higher based on things like credit score or accident history, then your rates may be higher. This is why it’s so important to compare multiple quotes from several companies if you want to make sure you’re getting the best deal.

Pros and Cons of UFG Insurance

Pro Con
Nationwide availability with a small company feel Not as technologically advanced as most other auto insurance providers; very little information available online
Business conducted through a network of local agents for personal, trust-based customer service You’ll have to contact an agent directly in order to get a quote

Is a vehicle insurance policy from Mercer/UFG right for you? Well, the answer to that question is still a bit of a mystery. The good news is that despite their size, their goal is to operate with a personal, small-business feel to make their customers feel more comfortable and foster a sense of trust. However, there is very little information available about the company, the specific coverages they offer, and whether or not current and previous customers are satisfied with their service. If you end up getting a quote from a UFG agent, make sure you compare that number to at least 3-5 other insurers near you. Doing this helps guarantee that you’re getting the best service for the most affordable rate.

Company Headquarters
P.O. Box 278
Pennington, NJ 08534
www.unitedfiregroup.com
1-800-223-0534
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