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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 1, 2021

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Today we’ll look at our second installment in a series of articles detailing car insurance discounts by company (Allstate auto insurance discounts was our first).

We decided to go with Mercury Insurance Group, which has a large presence in California. So the discounts below are aimed mainly at California drivers.

Independent agents can help you get quotes from Mercury Insurance and other car insurance companies. Be sure to ask them about any specific discounts that may apply to you. This way, you can get the most out of your auto insurance policy without overpaying.

How can Mercury insurance help California drivers save money?

Accountant discount – applies to members, staff, and non-profit subsidiaries of the California Society of Certified Public Accountants (CalCPA).

Alumni discount – must be a member of an alumni association of an accredited four-year college or university.

Anti-theft discount – vehicles with qualifying factory anti-theft systems as standard equipment get an automatic discount. For non-factory devices, contact your insurance agent/insurance broker.

Mercury Insurance will also waive the comprehensive auto insurance deductible up to $1,000 if you have an anti-tracking device and the vehicle is either stolen and unrecovered, or recovered with damage.

Doctor discount – must be a member of the California Medical Association.

Good driver discount – to be eligible for a good driver discount with Mercury Insurance, all drivers of insured vehicle must have been licensed to drive for the past 3 years and during that time must not have had:

– a major conviction or
– an at-fault accident resulting in bodily injury or death or
– an at-fault accident involving property damage which resulted in a 1 point conviction or
– more than 1 point due to a combination of minor convictions/accidents

Engineer discount – must have a bachelor’s degree or be licensed in the field of engineering.

Good student discount – offered to single drivers with less than 8 years driving experience who are full time students, who maintained a B or better GPA in the previous semester.

Lawyer discount – must be a member of the Los Angeles County Bar Association.

Mature driver discount – applies to drivers 55 or older who have received a driver improvement course certificate from a certified DMV school and who have not had any traffic violations or at-fault accidents since completion.

Multiple autos discount – discount for customers who insure more than one vehicle on a policy with Mercury.

Multiple policies discount – discount available to those who have both auto, homeowners, condo, or renters insurance with Mercury.

Persistency discount – applies to policyholders who’ve been insured with Mercury at least one year with no lapse in coverage longer than 30 days.

Scientist discount – must have a bachelor’s degree in a scientific subject, such as astronomy, biochemistry, computer science, etc.

Educators discount – must be credentialed as a teacher or educational administrator by the State of California Commission, or be employed full-time as a college/university teacher or professor.

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How can you choose the insurance company that meets your needs?

As with any other insurer-specific post, please contact your insurance agent or the insurance company directly to ensure the discounts above apply to your unique situation or in your state. Depending on the state you live in, you might benefit from additional coverages. It may even vary based on your neighborhood.

Some drivers are more concerned about making sure their personal property is protected from theft while others worry about comprehensive coverage. For example, if you live on a street with a bunch of large trees or in an area with a high occurrence of natural disasters like hurricanes or earthquakes, you’d want to make sure your comprehensive coverage limits are up to par.

Not every discount is available in each state and individual discount percentages may vary by the state in which you reside. Insurers also set your rates based on risks you may not be aware of.

Also note that insurance companies are constantly tweaking their rates based on their results, so these discounts could be changing as we speak.

And if we missed one, let us know!

Tip: How are car insurance rates determined?