National Merit Insurance Review & Ratings (2024)
Discover what real users have to say about National Merit Insurance. Read comprehensive reviews covering overall satisfaction, claims experience, cost, billing, and service. Find out why National Merit Insurance has an A- rating from A.M. Best. Compare insurance rates from top providers in your area by entering your ZIP code.
Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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National Merit Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Long history of providing personal automobile insurance since 1965.
- A subsidiary of Mercury General Corporation, a publicly traded insurance company.
- Offers a range of car insurance products, including liability, collision, and comprehensive coverage.
- Strong reputation for excellent customer service.
- Invests in technology with a mobile app for policyholders.
Cons
- Mixed customer reviews, with some reporting difficulties in the claims process.
- Some customers cite unexpected rate increases and policy changes.
- Limited geographic availability compared to nationwide insurers.
- Perceived variability in customer service quality.
- Claims processing time may vary based on the nature and complexity of the claim.
National Merit Insurance Company offers a range of car insurance products and services in select states throughout the United States. While the company provides affordable rates and a variety of coverage options to customers, it receives mixed reviews from customers.
To help customers save money on their car insurance premiums, National Merit Insurance Company offers a variety of discounts, including multi-car, safe driver, good student, anti-theft device, and homeowner discounts.
However, it is important to note that specific requirements for each discount may vary, and customers should contact the company directly to learn more about eligibility requirements and how to apply.
National Merit Insurance is a well-regarded car insurance company that offers a range of products and services to drivers in several states. The company has a strong reputation for providing high-quality coverage options and excellent customer service at competitive prices. If you’re in the market for car insurance, it’s worth considering National Merit Insurance as a potential provider.
What You Should Know About National Merit Insurance
Looking for comprehensive information about National Merit Insurance? In this article, we provide valuable insights and reviews covering various aspects of National Merit Insurance. Discover what real users have to say about their overall satisfaction, claims experience, cost, billing, and service.
- The company offers a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage
- National Merit Insurance has a strong reputation for providing excellent customer service to its policyholders
- The company offers a variety of discounts to its customers, including safe driver discounts, good student discounts, and multi-car discounts
We also highlight National Merit Insurance’s A.M. Best rating. To make an informed decision and find the best insurance coverage at competitive rates, enter your zip code and compare quotes from top insurance providers. Take control of your insurance needs today!
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National Merit Insurance History
National Merit Insurance Company was founded in 1965 and has since become a well-known provider of personal automobile insurance. The company’s headquarters is located in El Segundo, California.
National Merit Insurance Company is a subsidiary of Mercury General Corporation, which is a publicly traded insurance company that offers personal and commercial insurance products in various states throughout the United States.
Throughout its history, National Merit Insurance Company has grown and evolved to meet the changing needs of its customers. The company has expanded its product offerings and coverage options to provide more comprehensive and customizable insurance policies.
National Merit Insurance Company also invests in the latest technology to improve its operations and customer experience, such as its mobile app for policyholders to manage their policies and report claims.
National Merit Insurance Mission
National Merit Insurance Company’s mission is to provide quality personal automobile insurance products and services to its customers while maintaining financial strength and stability. The company strives to provide affordable rates while also maintaining high levels of customer service and claims handling.
National Merit Insurance Company is committed to operating with integrity and transparency, ensuring that its customers are informed and educated about their insurance coverage options and the claims process.
In summary, National Merit Insurance Company has a long history of providing personal automobile insurance products to customers throughout the United States. The company’s mission is to provide quality coverage options at affordable rates while maintaining financial stability and excellent customer service.
National Merit Insurance Company continues to adapt and innovate to meet the changing needs of its customers and the insurance industry.
National Merit Insurance Coverage Options
National Merit Insurance offers a range of car insurance products to drivers in several states. These products include liability coverage, collision coverage, and comprehensive coverage. The cost of these products varies depending on the coverage levels selected, the driver’s age and driving record, and the state in which the driver resides.
National Merit Insurance Company offers a variety of personal automobile insurance products and services. These products and services are designed to meet the unique needs of different drivers, with varying levels of coverage and deductibles available. Here are some of the main products and services offered by National Merit Insurance Company:
- Liability coverage: This is the most basic form of car insurance coverage, and it is required by law in most states. Liability coverage protects damages and injuries that you may cause to others while driving your vehicle. National Merit Insurance Company offers different levels of liability coverage to meet the needs of drivers.
- Collision coverage: This coverage protects damages to your vehicle that occur as a result of a collision with another vehicle or object, regardless of who is at fault. National Merit Insurance Company offers different deductible options for collision coverage, allowing drivers to choose the level of coverage that best fits their needs and budget.
- Comprehensive coverage: Comprehensive coverage protects damages to your vehicle that occur due to non-collision incidents, such as theft, vandalism, or weather-related incidents.
- Uninsured/Underinsured motorist coverage: This coverage provides protection for damages and injuries that you may sustain in an accident caused by a driver who does not have insurance or who does not have enough insurance to cover your damages. National Merit Insurance Company offers different levels of uninsured/underinsured motorist coverage to drivers.
National Merit Insurance Company also offers additional services and features, such as roadside assistance and rental car coverage, to drivers who purchase their policies.
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States Where National Merit Insurance Is Offered
National Merit Insurance Company offers its car insurance products and services in select states throughout the United States. National Merit Insurance Company offers car insurance in the following states:
- Arizona
- California
- Florida
- Georgia
- Illinois
- Nevada
- New Jersey
- Oklahoma
- Texas
- Virginia
Read more: Virginia Car Insurance Discounts
It is important to note that insurance requirements and regulations can vary from state to state, which can impact the types of coverage and pricing available.
If you are interested in obtaining car insurance through the National Merit Insurance Company, it is recommended that you contact the company directly to learn more about the specific products and services available in your state.
Read more: New Jersey Car Insurance Discounts
National Merit Insurance Rates Breakdown
The cost of insurance through National Merit Insurance Company varies depending on a variety of factors, including the driver’s age, location, driving record, and the level of coverage selected. The cost of insurance can also vary depending on the state in which the driver resides, as insurance requirements and regulations can differ from state to state.
Generally speaking, National Merit Insurance Company aims to provide affordable rates for its customers while still maintaining financial stability and excellent customer service. The company offers a variety of coverage options and deductible levels, which can impact the cost of insurance.
To get an accurate estimate of the cost of insurance through National Merit Insurance Company, it is best to obtain a quote directly from the company. Drivers can obtain a quote online or by speaking with a representative over the phone.
National Merit Insurance Discounts Available
National Merit Insurance Company offers a variety of discounts to help drivers save money on their car insurance premiums. Here are some of the discounts available to customers:
- Multi-car discount: Customers who insure more than one car with National Merit Insurance Company can qualify for a multi-car discount. This discount can help drivers save money on their insurance premiums by providing a reduced rate for each vehicle insured.
- Safe driver discount: Drivers who maintain a safe driving record without any accidents or violations can qualify for a safe driver discount. This discount can provide significant savings on insurance premiums and can be renewed each year if the driver continues to maintain a clean driving record.
- Good student discount: Students who maintain good grades in school can qualify for a good student discount. This discount is available to high school and college students and can help them save money on their car insurance premiums.
- Anti-theft device discount: Drivers who install anti-theft devices in their vehicles can qualify for an anti-theft device discount. This discount can provide savings on insurance premiums and can help protect the vehicle from theft or damage.
- Homeowner discount: Customers who own their home or condo can qualify for a homeowner discount. This discount can provide savings on insurance premiums and is available to homeowners who insure their car with National Merit Insurance Company.
To qualify for these discounts, drivers may need to provide proof of eligibility. Drivers can contact National Merit Insurance Company to learn more about the specific requirements for each discount and how to apply for them.
By taking advantage of these discounts, drivers can save money on their car insurance premiums while still maintaining the level of coverage they need.
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National Merit Insurance Claim Processing Procedures
Ease of Filing a Claim
National Merit Insurance offers a streamlined and user-friendly claims process for its policyholders. Customers have the flexibility to file claims through multiple channels, including online, over the phone, and via mobile apps. This convenience ensures that policyholders can report incidents and begin the claims process in a way that suits their preferences and needs.
Average Claim Processing Time
One of the key factors that policyholders consider when evaluating an insurance company is the speed at which claims are processed. National Merit Insurance is committed to efficient claims handling. While specific processing times may vary depending on the nature and complexity of the claim, the company strives to provide prompt and fair settlements to its customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable source of information when assessing an insurance company’s performance. National Merit Insurance has garnered a range of reviews from policyholders regarding their claim resolutions and payouts. These reviews offer insights into the overall satisfaction of customers and the company’s ability to meet its claims obligations.
National Merit Insurance’s Technological Advancements
Mobile App Features and Functionality
National Merit Insurance provides a robust mobile app designed to enhance the customer experience. The app offers a range of features and functionality, allowing policyholders to access their accounts, view policy details, make payments, and even report and track claims directly from their mobile devices. The user-friendly interface ensures that customers can conveniently manage their insurance needs on the go.
Online Account Management Capabilities
In addition to the mobile app, National Merit Insurance offers comprehensive online account management capabilities. Policyholders can log in to their accounts through the company’s website to access policy information, review billing statements, update personal details, and make policy changes.
The online portal provides a convenient and secure platform for customers to manage their insurance policies and preferences.
Digital Tools and Resources
National Merit Insurance recognizes the importance of providing customers with digital tools and resources to support their insurance journey. These resources may include educational materials, FAQ sections, and interactive tools to help customers better understand their coverage options, discounts, and how to maximize their benefits.
The company’s commitment to digital innovation aims to empower policyholders to make informed decisions about their insurance needs.
How National Merit Insurance Ranks Among Providers
In the highly competitive landscape of the insurance industry, National Merit Insurance faces several formidable competitors. Each competitor brings its own strengths, weaknesses, and unique offerings to the market. Below, we delve into the main competitors of National Merit Insurance, providing insights into their backgrounds, products, and customer perceptions.
- Geico Insurance: Geico, or the Government Employees Insurance Company, is a major player in the insurance industry, known for its extensive advertising and diverse coverage options.
- Progressive Insurance: Progressive is a well-established insurance company with a focus on innovation and providing customers with customizable coverage options.
- State Farm Insurance: State Farm is a giant in the insurance industry, offering a comprehensive suite of insurance and financial products.
- Allstate Insurance: Allstate is a prominent insurance company, emphasizing protection and security for its policyholders..
While National Merit Insurance has its unique strengths and offerings, understanding the competitive landscape allows consumers to make informed decisions. Each competitor has its own advantages and disadvantages, and the choice between them may ultimately depend on individual preferences, coverage needs, and budget constraints.
As the insurance market evolves, these companies continue to adapt and innovate to meet the ever-changing needs of their customers.
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Customer Reviews of National Merit Insurance
Based on a review of customer feedback available online, National Merit Insurance Company generally receives mixed reviews from customers.
Some customers report positive experiences with the company, including affordable rates, helpful customer service representatives, and easy online account management tools. Other customers, however, report negative experiences with the company, including difficulty filing claims, unexpected rate increases, and poor communication from the company.
Negatives:
One common complaint among negative reviews is the claims process. Some customers report difficulty getting their claims processed or delays in receiving payment for damages or injuries. Others report unexpected rate increases or policy changes that were not communicated to them.
Positives:
On the positive side, many customers report that National Merit Insurance Company offers affordable rates and a variety of coverage options to meet their needs. Additionally, some customers report positive experiences with the company’s customer service representatives, noting that they are helpful and responsive to their questions and concerns.
Overall, it is important for customers to carefully consider their options when selecting a car insurance provider, and to read customer reviews and ratings before making a decision.
While National Merit Insurance Company offers a variety of products and services at competitive rates, it is important to be aware of potential drawbacks and to carefully consider all available options before making a purchase.
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Frequently Asked Questions
What is National Merit Insurance?
National Merit Insurance is a car insurance company that offers coverage to drivers in select states in the United States. The company is known for providing quality insurance products and services at competitive prices.
When was National Merit Insurance founded?
National Merit Insurance Company was founded in 1965.
What is National Merit Insurance’s A.M. Best rating?
National Merit Insurance has an A.M. Best rating of A-.
What products and services does National Merit Insurance offer?
National Merit Insurance offers a variety of personal automobile insurance products, including liability coverage, collision coverage, comprehensive coverage, roadside assistance, and rental car coverage.
How can I get a quote from National Merit Insurance?
To obtain a quote from National Merit Insurance, you can visit their website or contact them directly by phone.
What is National Merit Insurance’s mission?
National Merit Insurance’s mission is to provide quality personal automobile insurance products and services to its customers while maintaining financial strength and stability. The company aims to offer affordable rates and excellent customer service.
What discounts does National Merit Insurance offer?
National Merit Insurance offers discounts such as multi-car, safe driver, good student, anti-theft device, and homeowner discounts. The specific requirements for each discount may vary, so it’s best to contact the company directly for more information.
In which states is National Merit Insurance available?
National Merit Insurance offers car insurance in select states, including California, Arizona, Florida, Georgia, Illinois, Nevada, Texas, and Washington.
What do customers say about National Merit Insurance?
Customer reviews for National Merit Insurance are mixed. Some customers report positive experiences with affordable rates and helpful customer service, while others mention difficulties with the claims process or unexpected rate increases.
How can I contact National Merit Insurance?
To contact National Merit Insurance, you can visit their website or call their customer service line, which can be found on their website.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.