Erie Car Insurance

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Erie Car Insurance

 

Erie Car Insurance

 

Erie Insurance is an excellent alternative for anyone living in one of the 12 states where it is available. Erie’s rates are among the finest available, and its customer service is well recognized. One negative of Erie’s auto and house insurance is the company’s relative lack of online features.

Erie’s rates for auto and house insurance are up to 35% less than average rates.

Erie distributes insurance only through their network of independent agents. This implies that Erie consumers will mostly deal with the company through agents, including when acquiring insurance, making claims and monitoring their policies. Aside from glass repair claims, all other claims must be handled through an agent or the Erie claims hotline.

Erie Insurance offers coverage options that meet or exceed what is available from other insurers.

One of the main bonuses of Erie’s auto insurance in particular is its “Rate Lock” provision.

If you qualify and add Rate Lock to your policy, Erie will not raise your rates year over year until you change the drivers or cars on your policy, or you move from your existing address. Your rate will keep the same even if you get in an accident or file a claim.

Erie’s web resources are not as robust as those of some of its competitors. For example, there’s no way to receive a homeowners insurance quotation online – you must request one from an agent.

While auto estimates are available over the internet, online customizing possibilities are restricted, and you must purchase a policy through an agent.

Erie vehicle insurance rates and coverages

Erie auto insurance quote comparison

Erie’s insurance premiums are cheaper than most of its big competitors. We analyzed vehicle insurance costs from nine of the top insurance providers, collecting rates from every state in the US.

Erie’s prices are 43% cheaper than average for basic coverage and 38% cheaper than average for full coverage.

Erie annual auto insurance rates vs. competitors

Company
Full coverage
Minimum liability
Farm Bureau $1,576 $472
Erie $1,379 $503
State Farm $1,315 $543
American Family $1,755 $634
Geico $1,919 $668
Progressive $2,038 $889
Nationwide $2,127 $916
Allstate $2,354 $918
Farmers $2,527 $959
Travelers $2,238 $1,028

Drivers with issues like an accident, a DUI or speeding ticket on their history can also get inexpensive rates with Erie. Among large insurers, only State Farm has cheaper rates. However, if you have low credit, Erie’s costs are only middle-of-the-pack.

Company
Annual cost
State Farm $1,465
Erie $1,469
Farm Bureau $1,774
American Family $2,055
Geico $2,336
Progressive $2,625
Travelers $2,693
Nationwide $2,709
Allstate $2,788
Farmers $3,355

Erie auto insurance coverages

 

Erie provides wide-ranging coverages and advantages to its consumers. It offers all the most typical automobile insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and medical payments/personal injury protection.

In addition, Erie provides numerous significant coverages that clients might not find elsewhere. Note that some of these coverages are packaged with other more typical options, while others must be purchased separately.

Highlighted benefit: Rate Lock

One of the most significant optional benefits Erie gives is its “Rate Lock” provision. If you have a safe driving history and add Rate Lock to your policy, Erie will only increase your auto insurance rates if you add or remove a car or driver, or change your residence.

Otherwise, your premiums would stay the same year after year, even if you get in an accident or make a claim to your insurance. However, if you are in an accident, a rate hike could catch up with you at a later point when you relocate or you add/remove a car/driver.

Erie auto insurance discounts

Beyond its already reasonable rates, Erie Insurance offers many discounts to its customers to cut their costs even more, albeit the discounts offered are about consistent with its competitors.

Drivers can earn discounts for:

  • Buying plans for numerous automobiles or bundling home and auto insurance
  • Safe driving
  • Paying for a year’s insurance up advance
  • Using their car little or not at all
  • Owning an automobile with safety equipment, like air bags
  • Being a young driver who lives with their parents or is a good student

Final Word

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