Personal auto insurance

Your automobile is a major investment, and Merchants Insurance Group offers quality insurance protection for you and your valued vehicle. We offer liability, physical damage, comprehensive and collision coverage. Our wide range of coverage options includes glass coverage, towing and rental reimbursement.

Merchants also offers a unique "Package of Protection" ("POP"), which includes coverage for additional expenses you incur due to a loss such as:

Towing and Labor Expenses
Transportation Expenses (from the site of a covered loss)
Emergency Lodging Expenses
Emergency First Aid Expenses
Rental Car Expense Reimbursement

Waiver of Collision and Comprehensive Deductibles

If you are involved in an accident with another vehicle insured with Merchants, our company will waive the collision and comprehensive deductibles on both vehicles.

Personal Property

Protection for personal property (while in your vehicle), damaged during a covered loss is provided.

Money Saving Discounts - Affordability You'll Appreciate.

Merchants' Personal Auto coverage is easy on the pocketbook. Several discounts for safety and anti-theft devices are available to help you save money on your insurance premium, while ensuring your peace of mind as well. Features on your vehicle, like anti-lock brakes, daytime running lights, airbags and car alarms, plus completion of defensive driving courses, also contribute to additional cost-savings.

Multi-Vehicle Discount (Car or Vehicle)

If you insure more than one vehicle with Merchants you receive a discount on your insurance premium on both vehicles.

Account Credit

If you carry both a Merchants’ personal auto and home owners’ policy, you’ll enjoy a discount on both!

Safety Discounts

You will receive a discount if your vehicle is equipped with air bags, anti-lock brakes, daytime running lights or anti-theft devices.

Not all coverages and discounts are available in all states. Availability of coverage is subject to specific underwriting guidelines. See your Merchants’ independent agent for details and a quote.