Erie car insurance review November 2018 | finder.com

Erie car insurance review November 2018

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A provider focused on customer satisfaction and peace of mind — and sometimes, that’s worth paying more for

Founded almost 100 years ago, Erie insurance is a reputable provider of home, auto and life insurance. It commands a massive network of over 12,000 independent agents to service the Northeastern US.

This provider is a consistent top performer in customer satisfaction, and there are a number of reasons why. Boasting a wide selection of discounts and perks, find out why Erie might be the best insurance provider for you.

Description Erie is a large regional provider of auto, life, business and property insurance focused on customer satisfaction.
States served District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
Roadside assistance Optional
Pay schedule monthly
Claims methods phone, in-person
New car protection Yes, cars under 2 years old

Pros

  • Rate lock
  • Accident forgiveness
  • Vanishing deductible
  • Online bill pay

Cons

  • Doesn’t accept online claims
  • Limited availability in only 12 states
  • Average customer loyalty
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes
Other discounts
  • Advance quote discount
  • Age 55 discount
  • New vehicle discount
  • Paid in full discount
  • Teen driver discount
  • Young driver loyalty discount
  • Prior bodily injury limits (BIL) discount - your previous BIL amount must be at least $300,000 per accident
  • Reduced usage discount
  • 100% farm use discount

Who is Erie best for?

Though Erie auto insurance is only available in the Mid-Atlantic and Northeastern US, its accommodating approach to car insurance makes it one of the best providers in the region. If you live in the area and are looking for competitively priced auto insurance with great coverage, Erie insurance is certainly worth considering. While its rates aren’t the lowest you’ll find, Erie’s auto insurance policies offer great value for the price.

Where is Erie car insurance available?

  • District of Columbia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

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.

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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

    Pros

    • 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.

Cons

  • 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.

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?

  1. Personal information (name, birthday, address, etc.)
  2. Vehicle information (type, year, annual mileage, etc.)
  3. Driver information
  4. 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.

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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.

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

What is Erie Insurance?

Founded and headquartered in Erie, Pennsylvania, Erie Insurance is a publicly traded multi-line insurance provider of auto, home, and life policies. Established in 1925, the company reached Fortune 500 status in 2003 and now operates in 12 states and the District of Columbia through a network of independant insurance agents.

Erie has a great reputation for its outstanding customer service and has received J.D Power’s highest ranking in customer satisfaction for the past five years and running. It’s commitment to affordable auto insurance begins with its lineup of generous discounts and is reinforced by the ERIE Rate Lock Program, which helps customers stay in control of their rates.

Between the high levels of customer satisfaction and its arsenal of great perks, Erie has quickly become one of the best car insurance providers of 2018.

Alternatives to Erie

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

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

Erie’s cancellation policy

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Andy Frakes

Andy's background in journalism and experiences with endurance sports have left him hungry for challenges, and he finds plenty to conquer with the finder team. When he isn't writing the best car insurance articles on the Internet, he's probably out shooting photos, hunting for bargains in SoHo or eating breakfast food (yes, for the third time today).

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2 Responses

  1. Default Gravatar
    JohnApril 15, 2018

    If my son drives in OH but does not own a vehicle, what is the right insurance for him to get? Is the SR22 what he should have?

    • finder Customer Care
      JoshuaApril 15, 2018Staff

      Hi John,

      Thanks for getting in touch with finder.

      If your son needs to drive but he doesn’t own a vehicle, then the right insurance for him should be a non-owner auto insurance policy. However, only a few car insurance companies provide this type of insurance policy.

      Typically a non-owner auto insurance policy only provides liability coverage, not optional coverage like damage to the car, rental reimbursement or medical expenses.

      But on the plus side, this type of insurance usually costs significantly less than a typical insurance policy because they’re under the assumption that the driver is driving less, and thus less likely to have a wreck.

      You may learn more about this topic by reading our article entitled “Can I insure a car that’s not registered to me?

      Regarding the SR22, it is a document confirming to your state that you meet its minimum car insurance coverage requirements. In Ohio, an SR-22 is also sometimes called an SR-22 bond or certificate of financial responsibility. Your son needs a SR-22 if he is:

      – Involved in an accident that results in death, injury or damages of more than $400 and isn’t covered by the state’s minimum liability insurance.
      – Caught driving without insurance or are unable to show proof of his insurance to the authorities.
      – Found guilty of a DUI, DWI or other major traffic violation.

      Please read this guide to learn more about SR-22 in Ohio.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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