Erie car insurance review July 2018 | finder.com

Erie car insurance review July 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 The Erie Insurance Company is a large regional provider of auto, life, business and property insurance offering a broad range of options for individuals, families and businesses. A provider focused on customer satisfaction and peace of mind — and sometimes, that’s worth paying for.
States served District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
Roadside assistance Included free
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
Special employment discount No
Usage-based discount
Other discounts Young drivers discounts for unmarried drivers under 21 years old

What is the Erie Insurance Company?

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.

Compare car insurance providers

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Where is Erie car insurance available?

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

Who is Erie car insurance 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.

What 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.

Discounts on Erie car insurance

Erie Insurance strives to provide affordable auto insurance coverage through its massive network of independent agents. To do so, it offers a number of discounts that can help keep your premiums low. Here’s what’s available:

  • Safe driving discount. Awarded to customers who maintain a clean driving record
  • Multi-vehicle discount. Receive a discount when you insure more than one vehicle under the same person
  • Reduced usage discount. Receive a discount if your car remains unused for 90 consecutive days or more.
  • Car safety equipment discounts. Receive discounts for built-in safety features like air bags, anti-theft devices, and anti-lock brakes.
  • Annual payment plans. Save money by paying for coverage in a single, lump-sum payment.
  • Multi-policy discount. Save between 14-30% if you have life or home insurance with Erie.
  • Young driver discount. Drivers under 21 who live with their parents may receive discounted rates.

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Does Erie offer any special programs?

Besides the great coverage, excellent customer service, and affordable rates, there are a number of perks and programs 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 surcharge on your first at-fault accident after you have been a customer for three years.
  • Diminishing deductible – Deductible is reduced by $100 for every consecutive claims-free policy year, up to a maximum of $500
  • Rental car coverage – Covers the cost of a rental car while your car is in the shop for repairs.
  • Roadside assistance – Towing & 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.

Learn more about auto insurance policy add-ons.

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.

Erie car insurance customer reviews

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 apply for Erie car insurance

While it’s easy to get a quote for Erie car insurance online, it’s unclear whether you can apply for 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 home page. 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. Here’s what you’ll need:

  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.

How to file a car insurance claim with Erie

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

How do I contact Erie Insurance?

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 other kinds of coverage does Erie offer?

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.

What other insurance providers are similar to Direct auto insurance?

Whether Erie auto insurance is unavailable in your state or you just want to compare your options, there are a few competitors that offer similar services:

  • Allstate. Allstate is one of the most popular auto insurance providers in the country, and for good reason. It offers a wide range of products and features and offers competitive rates on its policies.
  • Progressive. This provider is known for its large range of policies and product options, which might offer a policy more closely tailored to your needs.
  • State Farm. Despite holding a lower ranking than the two previous providers, State Farm is well known for great coverage and affordable rates.

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.

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Erie auto insurance frequently asked questions

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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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