Erie Car Insurance: The Best Choice In 2023

Erie Car Insurance offers reliable coverage for drivers. With competitive rates and a commitment to exceptional service, we’ve got your back on the road.

About Erie Car Insurance

Erie Insurance is a company from Pennsylvania that provides car, home, life, and business insurance in 12 U.S. states and Washington, D.C. For cars, they cover usual things like accidents, damage, and injuries. They also insure special vehicles like antique cars and RVs.

About Erie Car Insurance

Their full car insurance package offers extra benefits:

  • Help if you’re locked out.
  • Help on the road if your car breaks down.
  • Money for transport if your car can’t be used.
  • Coverage for personal items, pets, and broken windows.

You can also choose extra benefits like:

  • Insurance for rental cars after an accident.
  • Higher insurance amounts.
  • Reducing deductibles.
  • A $10,000 benefit if a person passes away in an accident.

To get a quote, you can start online but will need to talk to a local agent to finish.

Where Erie stands out

  • A.M. Best gave Erie an A+ rating for being financially strong.
  • Erie’s Rate Lock ensures your insurance cost stays the same and won’t increase every year.
  • Erie covers up to $500 for vet bills if your pet gets hurt in a car crash.

Where Erie falls short

  • Erie is available in only a few states.
  • They don’t offer telematics or pay-per-use insurance.
  • Their mobile app has limited features.

What Does Erie Car Insurance Cover? 

Erie Insurance adjusts car policies to match state requirements. Customers can also change their coverage limits to fit their needs.

What Does Erie Car Insurance Cover? 

Bodily injury liability

If you cause an accident that hurts someone, bodily injury liability covers you. It helps pay for their medical bills, lost money from not working, or if they sue for pain.

Property damage liability

If you damage someone else’s car or property in an accident, property damage liability covers it.

Personal injury protection

Personal injury protection (PIP) pays for medical bills if you or your passengers get hurt in a car crash. It usually covers doctor visits, hospital stays, therapy, and any money you lose from missing work because of the injury.

Uninsured or underinsured motorist

If another driver hits you and runs away or doesn’t have enough insurance, this coverage helps. Uninsured or underinsured motorist coverage pays for your damages when the other driver can’t cover the costs.

Comprehensive

Comprehensive coverage pays for damages to your car not caused by crashes, like theft, fire, or vandalism. With Erie’s insurance, you get coverage for things like fixing broken glass (without extra cost), getting a rental car, calling a locksmith, and replacing personal items.

Collision

Collision coverage helps pay for repairs if your car hits another vehicle or objects like a pole or fence.

Additional Options Offered by Erie Car Insurance

You can tailor Erie Insurance’s car policies to cover extra things, such as:

Additional Options Offered by Erie Car Insurance

Roadside assistance

Erie Insurance gives you 24/7 help on the road for problems like dead batteries, no fuel, car breakdowns, flat tires, or being locked out. They’ll also tow your car to the closest repair shop.

Erie Rate Lock

Erie’s Rate Lock ensures your insurance price stays the same every year when you renew, unless you update your policy by adding a car or driver.

Erie Auto Plus

With Erie’s Auto Plus package, you get:

  • A reduced deductible for each accident-free year, up to $500 off.
  • A $10,000 benefit if someone passes away in an accident.
  • More days of transport coverage.
  • No need to pay a deductible for things like replacing glass.
  • Higher coverage for locksmith services, personal belongings, and sound systems.

Auto Security

Auto Security coverage applies to each vehicle. If your car is less than two years old and gets totaled, they’ll replace it with the latest model. For cars older than two years, they’ll replace it with a model that’s two years newer. In both cases, you’ll need to pay your deductible.

Rental car coverage

Erie’s comprehensive policies come with rental car coverage. But if you choose collision coverage, you need to add it separately. Here’s what the rental options look like:

  • Class 1: Compact sedan for 4 people.
  • Class 2: Standard sedan for 5 people.
  • Class 3: Small SUV or pickup for 5 people.
  • Class 4: Minivan or mid-size SUV for 6-7 people.
  • Class 5: Large SUV for 6 people.
  • Class 6: Vehicle designed for people with disabilities.

When you need a rental, you can go with Rent-A-Car or pick another company you like.

Roadside and rentals bundle

You can bundle roadside assistance and rental car coverage with Erie to save money on both.

Locksmith services 

Erie Insurance offers up to $75 for locksmith services in its comprehensive coverage.

Personal items

The company will cover up to $350 for clothes, luggage, and personal items damaged in a car crash.

Pet coverage

Erie covers up to $1,000 in medical expenses if a pet gets hurt in your insured car, with a limit of $500 per pet.

Who Should Get Erie Car Insurance?

If you’re a homeowner, renter, or need multiple types of insurance, consider Erie Car Insurance. When you bundle their insurance products, you can save on car insurance.

Erie is great for budget-conscious drivers because of their First Accident Forgiveness and Rate Lock. With Rate Lock, your insurance price won’t change unless you update your policy, like adding a car or moving.

You can get Erie car insurance in 12 places: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.

Is Erie a good insurance company?

Erie is highly rated for its financial strength and gets top scores from J.D. Power for customer and claim satisfaction. They have fewer complaints than average, according to the NAIC. While their car insurance includes benefits like roadside help and rental car costs, they lack a full-featured mobile app and telematics program.

Erie’s standard home insurance automatically gives coverage to fully replace your home, a feature many other companies only add on. However, they offer limited extra options and discounts. Erie provides good car, home, and life insurance, but they’re only available in a few states.

Erie customer satisfaction

If you’re choosing an insurer, checking third-party ratings can help. J.D. Power gives yearly scores to insurers based on how happy their customers are. They look at things like service and claims, scoring them out of 1,000 points.

Companies like AM Best, Moody’s, and Standard and Poor’s check how financially strong insurers are. They give ratings that show how good each company’s finances are, from poor to top-notch.

The NAIC tracks how often people complain about insurers each year. They use a score where 1.0 is average. Scores below 1.0 mean fewer complaints for that company’s size, and scores above mean more.

Erie does well in customer happiness in places where it offers insurance. In 2023, J.D. Power ranked Erie highest in the Mid-Atlantic and North Central areas, and second in the Southeast. In 2022, Erie came third overall in a J.D. Power claims study, scoring 893 out of 1,000.

Erie customer complaints

The NAIC complaint index helps people see how often an insurance company gets complaints, considering its size. A score of 1.00 is the average. If a company scores below 1.00, it means they have fewer complaints for their size. If it’s above 1.00, they have more. The NAIC gives scores for different types of insurance, like car or home, so you can see how a company does in each area.

For Erie Insurance’s car insurance, their complaint score has been getting better over the last three years. In 2022, they scored 0.48, which is less than half the average. This was better than their scores of 0.56 in 2021 and 0.75 in 2020. These low scores show that Erie is doing well with following rules and keeping their car insurance customers happy.

Other Erie tools and benefits

  • Erie’s website has a life insurance calculator. It helps you figure out what kind of policy you might need. After that, they can connect you with an Erie agent to get a price.
  • Erie also has business insurance. They cover different businesses like breweries, builders, churches, shops, and vet clinics, and even include insurance for business cars.
  • They offer financial help too. You can get coverage for extra Medicare costs or open retirement accounts, like annuities or IRAs, with them.

How to Buy Car Insurance from Erie

Obtaining a car insurance quote from Erie Insurance requires providing some personal and vehicle information. Here’s a breakdown of the details you’ll need to have on hand when requesting a quote:

  • Name: Your full legal name.
  • Address: Your current residential address, including street, city, state, and ZIP code.
  • Email Address: A valid email address that Erie can use to send you the quote and communicate with you.
  • Phone Number: A contact number where Erie can reach you for any additional information or clarification.
  • Date of Birth: Your date of birth, which helps determine your age and, in turn, your insurance premium.
  • Marital Status: Indicate whether you are single, married, divorced, or in another marital status. This information can affect your insurance rates.
  • Accident/Violation History: You’ll need to provide details about your driving history, including accidents and traffic violations. This information is crucial for determining your risk as a driver.
  • Age You Received Your License: The age at which you first obtained your driver’s license. This affects your driving experience and may influence your insurance premium.
  • Vehicle’s Year, Make, and Model: The specific details of the vehicle you want to insure, including the year it was manufactured, the make (e.g., Ford, Toyota), and the model (e.g., Civic, F-150).
  • Primary Purpose for the Vehicle: You’ll need to specify whether you use the vehicle for personal use, commuting, business, or any other purpose. Different uses can result in different coverage needs.
  • Estimated Daily and Annual Mileage: An approximate estimate of how many miles you drive on a daily and annual basis. This helps determine your risk profile.

In Conclusion

In conclusion, Erie Car Insurance is here to provide you with peace of mind while driving. We’ve got you covered, so you can focus on the road ahead.

Frequently asked questions

Does Erie offer additional perks?

Certainly, Erie Insurance provides unique benefits with their basic policies that set them apart from many other insurers. These advantages encompass features such as diminishing deductible, pet coverage, accident forgiveness, and the ability to secure your auto insurance rates.

Where can I get an Erie quote?

You have two convenient options for obtaining a quote from Erie Insurance: you can request a quote online or call their toll-free number at 800-458-0811.

How can I file a claim with Erie?

To file a claim with Erie Insurance, you have two primary options: you can contact your insurance agent directly, or you can get in touch with Erie’s customer support. Once you’ve submitted your claim, you also have the convenience of tracking its progress online.

How can I contact Erie?

Here are the contact details for Erie Insurance:

  • Website: www.erieinsurance.com
  • Customer Service Number: You can reach Erie’s customer service at 800-458-0811.
  • Email: To email Erie, you can use their online contact form on their website.
  • Twitter: You can tweet to Erie Insurance on Twitter at @Erie_insurance.

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