Merchants vs The Hartford Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Ratings

Insurify Composite Score

Merchants
Not Rated
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Merchants VS The Hartford
Not Rated
93
What is this?
User Ratings
OptionsMerchants The Hartford
Rating/Reviews
2 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsMerchants The Hartford
Call Center Representative--About average
Insurer Website--Better than most
Overall Satisfaction--Better than most
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsMerchants The Hartford
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--The rest
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionMerchants The Hartford
California--835 pt
Better than most
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central--838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Mobile App Ratings
RegionMerchants The Hartford
Android--
376 Reviews
iOS--
47 Reviews
Financial Ratings
OptionsMerchants The Hartford
A.M. Best--A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityMerchants The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityMerchants The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityMerchants The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityMerchants The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityMerchants The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityMerchants The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityMerchants The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityMerchants The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityMerchants The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityMerchants The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityMerchants The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityMerchants The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityMerchants The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeMerchants The Hartford
Good StudentVariesUp to 15%
Multiple PolicyVariesUp to 20%
Paid in fullVariesVaries
Anti-Theft Device--Up to 15%
Defensive Driver--Up to 5%
Driving training--Varies
EV/Hybrid--Varies
Passive Restraint--Up to 3%
teenSMART--Up to 10%

Payment Methods

Discount typeMerchants The Hartford
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
yes--
Mail Payment
--yes
Mobile App Payments
yesyes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesMerchants The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesMerchants The Hartford
Accident Forgiveness
--yes
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Glass Coverage --yes
New Car Replacement Coverage
--yes
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
--yes
Roadside Assistance
yesyes
Umbrella Policy
--yes
Vanishing Deductible
yesyes

Insurance by State

Online Quoting by State

  • Merchants
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • Merchants
  • The Hartford
  • Both

Compare Insurance Products

ProductMerchants The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes

User Reviews

  • Merchants Reviews
  • The Hartford Reviews
1.5
2 Stars
50 %
1 Star
50 %

Most Helpful Review

By Christopher G.
I had to make a payment over the phone as my payment was late and my policy was in jeopardy of cancelling on me within 15 days. I called and made this transaction with Courtney. after my transaction was made. (paid in full) I was given a confirmation number. In addition, I asked for a receipt either by email or regular mail. Courtney told me Merchants doesn't do that! So i again requested a simple receipt because I think when you give some entity over 1400 dollars you should get a receipt. RIGHT??? nope. I got threatened that she would cancel the payment and I can get a receipt from my agent... no fair and not a good way to do business. can i please have a receipt???

Latest Review

By Brittany G.
They claim to want fast and simple claims but when their drunk drivers hit you they blow you off and do everything in their power not to pay for the damages ! I've never been in my life met such awful people who just want to give you the run around ! No I'm being forced to pay a lawyer to go after their insurer or them to pay for the damages to my car !

All Reviews

Showing 1 - 2 out of 2 Reviews
Sort by

Read reviews that mention

Brittany G.
They claim to want fast and simple claims but when their drunk drivers hit you they blow you off and do everything in their power not to pay for the damages ! I've never been in my life met such awful people who just want to give you the run around ! No I'm being forced to pay a lawyer to go after their insurer or them to pay for the damages to my car !
Christopher G.
I had to make a payment over the phone as my payment was late and my policy was in jeopardy of cancelling on me within 15 days. I called and made this transaction with Courtney. after my transaction was made. (paid in full) I was given a confirmation number. In addition, I asked for a receipt either by email or regular mail. Courtney told me Merchants doesn't do that! So i again requested a simple receipt because I think when you give some entity over 1400 dollars you should get a receipt. RIGHT??? nope. I got threatened that she would cancel the payment and I can get a receipt from my agent... no fair and not a good way to do business. can i please have a receipt???

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.