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Personal Auto Insurance

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.

Merchants Flexible Choice

We offer personal auto insurance for most drivers and vehicles through our Merchants Flexible Choice Autosm program that includes many coverage options and money saving discounts.


To enhance your coverage, Merchants also provides three levels of endorsements, including the "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

Extra Advantage

Includes all of the “POP” Endorsement features plus

  • Disappearing Deductible
  • Replacement Cost Coverage

Extra Advantage Plus

Includes all of the “POP” Endorsement features and the Extra Advantage Package Endorsement features plus

  • Original Equipment Manufacturers (OEM) Coverage
  • Collision Deductible Waiver Coverage
  • Accidental Air Bag Deployment Coverage

Free Roadside Assistance

With the addition of physical damage coverage (collision and comprehensive coverage), we provide free roadside assistance.

  • 24-hour toll-free assistance in the US and Canada 365 days a year
  • Towing to the nearest qualified service facility
  • Battery service
  • Gas / oil / fluids delivery
  • Lock-out assistance
  • Collision towing

Money Saving Discounts

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. 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.

  • New Car
  • Good Student
  • Minor Child
  • Company Vehicles
  • Paid in Full
  • Account Credit
  • Safety Features

NOTE: Not all coverage 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.

Home Owners
Personal Auto
Personal Umbrella