National Merit Insurance Review & Ratings (2023)
This National Merit Insurance Review will cover National Merit Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The National Merit Insurance A.M. Best rating is A-. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 21, 2023
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National Merit insurance is a well-known car insurance company that provides coverage to drivers in several states. The company has been in operation for several years and has a strong reputation for providing high-quality insurance products and services at competitive prices.
Here are a few interesting attributes of National Merit insurance:
- 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
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.
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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 Products and Services
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 provides protection for 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 provides protection for 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 provides protection for 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.
Cost of National Merit Insurance
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.
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National Merit Insurance Discounts
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.
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
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 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.
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 clearly 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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In Summary: National Merit Insurance
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.