Auto Insurance | Choice

Auto Insurance | Choice
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Auto Insurance Program

Have you ever wondered if you’re overpaying for auto insurance? Others using this program have saved an average of $802.96 annually!1

 

Get a quote online or give us a call at 

1-866-228-3516

Get Quotes

Here's what you need to know

One call to the Harvard-dedicated quote line at 1-866-228-3516 and you can conveniently compare your current auto insurance to the discounts, coverage, and rates available from some of America’s top insurance companies.2, 3

 

This program does all the legwork for you, from providing multiple quotes to helping you easily switch coverage. Plus, you may be able to pay your insurance premiums through your company’s payroll deduction – another convenient perk.4

 

  • This program could save you time and money when shopping for auto insurance
  • The savings start with a special employee discount of up to 15%, which is not available to the general public
  • You could qualify for even more discounts for things like being a safe driver, bundling your auto and home insurance with the same company, having a hybrid vehicle, and more

 

When you call, a licensed insurance agent can help you find all of the discounts you qualify for – with no cost or obligation to you. If you find coverage you like better, you can even switch to a new policy over the phone so your savings could start right away. You can also compare and customize coverage by using the online tool. 

 

Experts recommend you review your auto insurance each year to make sure your coverage and rate reflect your current needs. Think about factors like new drivers in your family and mileage on your vehicle.

 

Also, insurance companies may change their pricing periodically, so it’s possible the lowest-priced plan on the market last year isn’t the lowest this year.

 

Using the Choice Auto & Home Program is a convenient way to make sure you’re spending your auto insurance dollars wisely. It could help you:

 

  • Pay for the coverage you really need and want
  • Have the right deductible for your priorities and budget
  • Take advantage of all the discounts you’re eligible for

 

The goal is not to be over-insured or under-insured, but have the “right-size” insurance for your needs and your budget. When you call, the licensed agent can help you find that.

You can use this service any time you like. You can get quotes – and switch companies – any time of the year without waiting until your current policy is coming up for renewal. If you decide to change to a new insurance company, your old company should refund the unused premium dollars you’re entitled to receive.

How It Works

Number one Phone icon

Call to request quotes

Number two Chat bubble icon

Ask questions and explore options

Number three auto paper icon

Compare coverage and rates

Number four Auto shield icon

Switch to a new policy and/or company

You buy a new car and need to have it insured.

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You call the quote line to compare coverage from multiple companies.

A licensed insurance agent helps you customize your coverage and find every discount you qualify for. You switch insurance companies over the phone and start saving money.

Frequently Asked Questions

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  • Who are the insurance companies in this program?

    This program can provide quotes and coverage from several well-known companies, including: Liberty Mutual® Insurance, Farmers GroupSelect® and Travelers.

     

    Please note that you may not receive a quote from all of these companies depending upon your personal circumstances and state of residence. 

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  • Do I need to wait until my current auto insurance policy comes up for renewal to switch to another plan?
    No – in fact, that’s a common misconception about auto insurance. You can get quotes and switch to another policy at any time. There’s no need to wait to take advantage of potential savings. 
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  • Who in my family is eligible for this program?
    You and your immediate family members are eligible to use this service for coverage.
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  • How much does coverage cost?

    There is no cost for getting a quote or for switching to a new company – it’s free and there’s no obligation. Your cost is purely the cost of the auto insurance itself based on the coverage you select. There are no added fees.
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  • What if my employment status changes?
    Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • What do I do if I have a claim?
    Call the number listed in the “Contact Us” section of this website and you will be routed to your insurance company. Always call as soon as possible, regardless of who is at fault. Even if the accident appears minor, it is important that you let your insurance company know about the incident.
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  • Can I only use this service for my car(s)? What about other types of vehicles?
    You can also use this program to get quotes and coverage for motorcycles, boats, ATVs, RVs, and personal watercraft.
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  • Which discounts could I receive?

    Because this program is provided to Harvard University employees, you could receive an employee discount of up to 15%.2 Other discounts and savings may apply, so please ask about savings for having any of the following that may apply to you:

    • Multi-Car
    • Multi-Policy
    • Anti-Theft Device
    • Safe Driver
    • Tenure
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  • When would my new policy begin?
    Almost immediately, if you would like! If you are accepted for coverage, your auto insurance can start the day after you apply for the coverage over the phone. If you want to receive proof of your new coverage sooner rather than later, you can get temporary insurance cards by fax or email, subject to state availability. Your permanent cards will be mailed to you. 

Are you ready for your quotes?

Act now to get your free, no-obligation quotes and see how much money you could save. Get a quote online or give us a call.

1-866-228-3516

Get Quotes
Attention: Inflation, increases in claims, instances of natural disasters, and other key factors are making it more difficult to secure auto, home, renters and other insurance options. As a result, coverage options may be limited.

Do You Need Help?

Our team is ready

M-F 8a - 9p, Sat 9a-2p ET

Phone Number: 1-866-228-3516

  • Legal Disclaimers

    1Savings are not guaranteed for everyone. The $802.96 average annual reported savings is based on others who reported their prior premium and, through Mercer Health & Benefits Administration LLC, switched to several carriers’ auto insurance programs between 10/7/2022 and 10/7/2023.


    2Discounts are not available from all carriers and are only available to those who qualify. Coverages, discounts and billing options are subject to state availability, individual qualification, and/or the insuring company’s underwriting guidelines. Individual savings may vary and are not guaranteed.


    3Auto insurance may not be available from all carriers in all states and may not be offered in this program.

     

    4Providing your Social Security number may be required to set up the payroll deduction feature.

  • Carrier Disclaimers
    View details of Mercer's carrier disclaimers

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation