Mechanical Breakdown Coverage Keeps You On the Road

Do you own a Used Car? Buy a Mechanical Breakdown Coverage from Mercury Insurance.

Cronin Insurance Agency is proud to announce that we now offer one of the finest Mechanical Breakdown policies in the country, underwritten by Mercury Insurance.

Mercury Insurance is an A+ rated insurance company that specializes in Auto Insurance across the United States. Since 1962, Mercury has grown into a Billion dollar company and is one of the top insurers for independent insurance agencies in America.

There is no benefit in owning an insurance policy from a company you’ve never heard of, or one that you can’t be sure will still be in business when you need them. With the strength of a company of Mercury’s size and history, you can be sure they will be there when you make your claim.

And with a national company like Mercury, you get a choice of Mechanical Breakdown policies,

  • Ultimate: where every repair is covered unless it is specifically excluded, the best you can buy.
  • Deluxe – which names just about every repair you can think of
  • Select – where you cover only a select number of major repairs for their lowest pricing.

Mercury’s Mechanical Breakdown Policy is priced much less than most dealer’s plans.

On top of that, you can lower your price by a choice of deductibles. The more you are willing to pay for a repair, the less you need to pay for your policy. Deductible choices include $0, $50, $100, $250 and $500 – the higher the deductible, the lower the price.

With Mercury’s Mechanical Breakdown Policy, there is no limit on the number of claims you can file.


  • Nationwide Protection
  • Available on both New and Used Vehicles
  • You choose the repair facility, not us
  • 24-Hour Roadside Assistance for the term of your contract
  • Rental Vehicle Assistance
  • Tire Road Hazard Protection and Trip Interruption for the term of your contract
  • Insured by American Mercury Insurance Company.
  • Issued by Mercury Select Management Company, Inc. S.S. (062014) FL Lic 60049
  • Transferable to another individual
  • Fully Insured Program
  • Direct Payment to Repair Facility
  • One Deductible Per Visit
  • Increases Resale Value
  • Our claims adjusters are certified by the National Institute for Automotive Service Excellence

Mercury’s Mechanical Breakdown Policy offers an easy way to budget for costly repairs, with payment plans up to 42 months, based on the length of policy.

Frequently Asked Questions about Mercury’s Mechanical Breakdown Policy. FAQ’s

What is Mechanical Breakdown Protection?

Mechanical Breakdown Protection is coverage for auto repairs occurring after the Manufacturer’s Warranty on your New or Used vehicle has expired. You can save hundreds of dollars over Dealer Service Contracts.

Why should I buy it if I still have the manufacturer’s warranty on my car?

Statistics show that the big repair bills can come after the manufacturer’s travel and tire road hazard benefits even during the manufacture provided by many factory warranties including: roadside assistance, towing, rental, warranty has expired. Plus, the Mercury protection plan has additional benefits not provided by many factory warranties including: roadside assistance, towing, rental, travel and tire road hazard benefits even during the manufacturer’s warranty period.

May I wait before buying mechanical protection?

Coverage may be purchased at any time during the vehicle’s full factory warranty period.

Why should I purchase mechanical breakdown protection now if I can wait?

Though you can purchase at a later date there may be price increases or changes in coverage, deductibles, and eligibility. The price today is a onetime charge guaranteed for the term of your coverage. Also, Roadside Assistance, Tire Protection, Emergency Trip Reimbursement, and Towing are immediately available.

Can I still buy a policy if my vehicle is out of the Original Manufacturers Warranty?

Yes, in certain cases, contact Cronin Insurance to find out.

What if I have already purchased a service contract from my dealer?

Usually, you may cancel and receive a full refund if requested within 30 (or 60 days, depending on state regulations. Even after the complete refund cancellation period, you most likely would receive a prorated refund.

How do I cancel?

It is best to request a cancellation in writing to the dealership and the service contract company. The agreement material should also include cancellation instructions for your state.

The F&I Manager at the dealership said they will not honor coverage unless the contract is purchased from them. Is this true?

F&I Managers make a commission on service contracts that they sell. This is a scare tactic to get you to keep the service contract they sold you. If you have a mechanical failure and take your car to the service department most are glad to accept payment from any insurance company. The service managers get paid for generating service volume and cannot afford to turn away legitimate business. We (MSMC) pay full retail on parts and labor and provide payment through a major credit card. There is no reason for the dealership not to accept our coverage.

How does your coverage compare to that of the dealership?

Our coverage is very extensive and is comparable to that sold at the dealership. There are several different plans and levels of coverage available. Ours is as good, if not better, than most. We have been providing mechanical breakdown coverage since 1974 and have an excellent reputation for our prompt and courteous claims handling and customer service.

Contact Cronin Insurance Agency for a Mercury Mechanical Breakdown Quote today.

Its fast, easy, and it will save you money on costly repairs.


Leave a Comment

Your email address will not be published. Required fields are marked *

Request a Quote!

About is brought to you by Cronin Financial Corporation which does business as Cronin Insurance Agency. 

Why Choose Cronin?

25 Years Serving Florida

More than a dozen companies

Licensed Agents help you choose

We do the work-you make the choice

Bundle For additional discounts


Request a Quote!