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As an insurance publisher for finder.com, Roslyn McKenna is driven to help people get a great deal on car insurance so they can enjoy the ride. Roslyn has put her Bachelor of Arts in Writing and Communications to good use by covering topics ranging from finance to insurance.
Where is Erie car insurance available?
District of Columbia
What car insurance coverage does Erie offer?
Liability protection. Pays for third-party property and bodily damages that result from an accident you’ve caused.
Collision and comprehensive damage. Pays for damages to your car caused by other cars or objects, fire, flooding, hail, theft or vandalism.
Personal injury protection. Covers the cost of doctors, hospitalization and even funerals if you or a passenger is injured or killed in a car accident, no matter who is at fault.
Uninsured motorists coverage. Pays for damages or injuries to you and your passengers resulting from a hit-and-run accident or an uninsured driver, including medical expenses and lost wages.
Underinsured motorists coverage. Bridges the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.
What extras and add-ons does Erie offer?
Besides the great coverage and excellent customer service, there are a number of perks and policy add-ons to help sweeten the deal.
Erie Rate Lock – Your rates will only change if you add or remove a vehicle or a driver or move.
First accident forgiveness – No extra fees on your first at-fault accident after you have been a customer for three years. Only applies once for all drivers on your policy.
Diminishing deductible – Deductible is reduced by $100 for every consecutive claims-free policy year, up to a maximum of $500.
Feature Fifteen – After you’ve been a loyal customer for 15 years, you won’t face increased rates after an at-fault accident.
Rental car coverage – Covers the cost of a rental car while your car is in the shop for repairs.
Roadside assistance – Towing and roadside assistance if your car breaks down on the road.
New car protection – If your new vehicle is less than two years old and considered total loss after an accident, it will be replaced with a new vehicle of the latest model year.
Locksmith services – If you get locked out of your vehicle, Erie can send a locksmith to help.
Personal item coverage – Additional coverage for personal items inside your vehicle.
Pet coverage – Up to $500 for veterinary care for pets injured in your vehicle in an accident, up to $1,000.
What discounts can I get with Erie?
Erie Insurance strives to provide affordable auto insurance coverage through its massive network of independent agents. To do so, it offers a huge number of discounts that can help keep your premiums low.
Multi-policy discount. Save between 14-30% if you bundle life or home insurance with Erie.
Driver training discount. Get a discount for drivers under 21, drivers over 55 and motorcycle drivers who complete a DMV safe driver class.
Advance quote discount. For new customers who get a quote 7 to 90 days before signing up. The discount stays on your policy but gradually decreases over a 5-year period. This discount also applies to any vehicle quote including classic cars, motorcycles, mopeds and RVs.
Age 55 discount. Get a discount if the primary driver on your policy is over 55.
Multi-vehicle discount. Receive a discount when you add multiple vehicles to your auto insurance policy with Liberty Mutual. This can also apply if you have approved personal use of a business car.
New vehicle discount. Receive a discount when you add or change a vehicle on your policy.
Paid in full discount. Receive a discount for paying your premiums in a single, lump-sum payment or by paying at least one third of your premium up front.
Safety features discount. Get discounted rates when insuring vehicles with safety features such as anti-lock brakes, anti-theft devices and airbags.
Teen driver discount. Discounted rates reward teen drivers for responsible driving.
Student discount. Drivers under 21 could get a discount for keeping your car at home while you’re away at college or for limited use of the car for new drivers.
Young driver loyalty discount. Keep your policy with Erie for several years and you could get a break on premiums. This is Erie’s way of encouraging families to stick with the same insurer.
Safe driver discount. Drivers with clean driving records can receive discounted rates. The discount amount is based on type of violations, policy loyalty and past claims for all drivers on the policy.
Prior bodily injury limits (BIL) discount. If your previous BIL amount was at least $300,000 per accident, you’ll get a discount whether you’re a new or returning customer.
Reduced usage discount. Also called laid-up coverage or short-term insurance, get a discount if your car won’t be driven for at least 90 days during your policy.
100% farm use discount. This unique discount lets you save on insurance for a car that’s garaged and used exclusively on your farm.
Pros and cons of Erie car insurance
Rate lock. Lock in a rate for your policy that’s good until you add or remove drivers, change vehicles or move to another address.
Accident forgiveness. Once you’re an Erie customer for three years, your first accident has zero impact on your monthly insurance bill.
Vanishing deductible. The longer you go without an accident, the smaller your deductible when you do need to file a claim.
Online bill pay. Take care of your payments through your online account.
Doesn’t accept online claims. To file a claim with Erie, you need to call or visit a field office. This can be a headache if you’re used to having digital options.
Limited availability. Erie offers insurance to residents of 12 northeastern states and Washington, DC. If you live outside this area, you’ll need to look for another provider.
Lacking customer loyalty. Unlike companies that offer no-drop policies, Erie can cancel your insurance policy without notice if they determine that you’re filing excessive claims, even if you’re up to date on your premiums.
Compare alternatives to Erie
How to apply for Erie car insurance
While it’s easy to get a quote for Erie car insurance online, it’s unclear whether you can obtain coverage online. This provider requires claims to be filed via phone or your Erie agent, so you might need to apply for coverage through these methods as well.
However, you can start with getting a quote by visiting Erie’s homepage. Once you arrive, you should see a field to obtain a quote. Enter your ZIP code and hit enter. Enter all of the necessary information for each step to get an accurate quote.
What info do I need to apply?
Personal information (name, birthday, address, etc.)
Vehicle information (type, year, annual mileage, etc.)
Contact information (email, mobile phone, etc.)
Once you’ve obtained a quote, you can submit your quote to a local agent. Your agent will reach out to you in the following days to discuss your quote and set up coverage.
What do customers say about Erie?
Erie receives high scores for customer service and satisfaction from J.D. Power, ranking among the best-rated insurance options in 2016.
Though it is not officially accredited, the company currently holds an A+ rating from the Better Business Bureau (BBB), which considers transparency, commitment to resolving disputes and ethical business practices. With customer reviews factored in, Erie’s BBB composite score is 3.83 out of 5 possible stars, which is on par with the industry average for a company Erie’s size.
The majority of customer reviews on other sites can be quite negative. Multiple customers say Erie canceled their policy without adequate cause, and many others report denied claims they felt were valid. But before you rule out Erie because of bad reviews, consider that many customers only leave reviews after a terrible experience. While reviews and ratings can show you how companies treat some customers, you might not have the same experience.
Case study: Roslyn’s experience
Car insurance Publisher
I joined my husband’s car insurance policy with Erie after we got married. We paid $1,244 a year for 100/300/100 coverage with collision and comprehensive on a 2016 Ford C-Max and a 2011 Toyota Prius in Tennessee. Unfortunately, we had to switch insurers when we moved outside Erie’s 12 supported states, which is one drawback of using a local insurer.
Erie offers excellent customer service and coverage transparency. Your local agent is easy to reach, knows who you are and can help you with any questions or concerns about your policy. We also saved money by bundling our car and home insurance policies under the same insurer.
How to contact Erie
Dedicated to approachable customer service, Erie makes it easy to get a hold of a representative or local agent. Here’s how:
Agents: Search for your local agent online or call (800) 458-0811.
Customer care: Phone, email, or visit an office
By mail: Erie Insurance Group 100 Erie Insurance Place Erie, PA 16530-1104
Cheaper options are out there if that’s what you’re looking for. But if you live in the Northeast and are willing to fork out a bit of extra cash, you’ll get to work with a provider that’s rated highly for customer service and customer satisfaction. Before you decide, research your options with our comprehensive insurance guide to find your best fit for auto coverage.
Frequently asked questions about Erie car insurance
Yes. Visit Erie’s simple and secure website for online payments. Or pay your bill by phone through autopay.
Unfortunately for those who are used to online claims systems, Erie doesn’t allow you to file claims online. Instead, you’ll need to contact your local agent or Erie directly to get the process started. Your first step should be to contact your agent, but if you can’t get a hold of them, here’s what to do:
Call (800) 367-3743 (Available 24/7):
Select option 1 to report a windshield or auto glass claim
Select option 2 for roadside assistance
Select option 3 for workers’ compensation claims
Select option 4 to start a new claim for the first time
Select option 5 to speak to a representative about a previously reported claim
Select option 6 for Customer Care regarding billing, payments and policy information
With nearly all insurance providers, there’s a chance of a rate increase if you file a claim. However, Erie offers an accident forgiveness program that could save you a rate hike if you qualify.
Emergency roadside service is available if your car has a flat tire, dead battery, breaks down or runs out of gas. For customers who have added roadside coverage on their Erie auto policy, the labor costs for emergency services are covered by their policies.
Collision coverage applies to losses that result from a collision with another vehicle or object. It also includes damages caused by uninsured motorists and hit-and-run drivers.
Comprehensive coverage is for losses caused by fire, theft and contact with animals, along with damage to your windshield.
No. Your auto coverage only applies to accidents or losses that occur during the policy period in the United States of America, Puerto Rico, Canada and between their ports. Coverage does not extend outside of these areas. However, in Mexico, collision coverage will apply to an owned auto if you have purchased it.
Erie offers an array of other insurance options to fit singles, families and businesses, along with their property and valuables.
Auto and leisure. This division provides insurance beyond your standard vehicle to cover RVs, ATVs, boats — even your valuable collector car.
Home and property. Erie offers policies for condos, houses, rentals and mobile homes, plus protection for personal valuables and flood coverage.
Life and more. Plan for the future with life insurance and a retirement fund, or cover yourself for the unexpected with a personal catastrophe and liability policy.
Business. Protect the business you’ve grown with policies for wholesalers and distributors, landlords, auto services, restaurants and retail.
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.
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