Erie Car Insurance Review 2023

Erie Car Insurance Review 2023

Erie Auto Insurance: A Comprehensive Review

At Personal Finance Insider, we love answering readers’ insurance questions and providing unbiased product reviews. Today, we’re diving into the world of Erie Auto Insurance. Located in Erie, Pennsylvania, this well-regarded insurance provider has been serving its customers since 1925. With over 6 million policies managed, Erie Insurance has gained a reputation for its exceptional customer service and comprehensive coverage options.

Why Choose Erie Auto Insurance?

If you’re in the market for cheap car insurance that offers quality customer service and a wide selection of coverages with built-in features, Erie Insurance may be the right choice for you. The insurer works with independent agents who can pull quotes from multiple companies and find the best rates. This is great news for those who value personalized service and want to explore multiple options.

In addition to competitive pricing and excellent customer service, Erie Insurance also boasts several built-in features that set it apart from other insurance providers. These features include:

• Collision coverage: Erie Insurance will pay for your vehicle’s repairs if it’s damaged in a collision.
• Comprehensive coverage: This insurance covers non-collision-related accidents, such as vandalism, theft, or fire. It also offers a deductible waiver on glass repairs, locksmith service, personal item coverage, and rental car insurance.
• Bodily injury liability coverage: Covers medical bills, lost wages, and pain and suffering of the victim party if you’re at fault in an accident.
• Property damage liability coverage: Covers damages to the other party’s property or vehicle if you’re at fault in an accident.
• Uninsured/underinsured motorist coverage: Erie Insurance will pay for your medical expenses and property damages if you’re involved in an accident where another party is at fault.
• Medical payments coverage: Fills in gaps in your health insurance if you’re involved in a vehicular accident.

These coverage options provide a robust package to protect you in various situations on the road. But Erie Auto Insurance doesn’t stop there – they also offer additional coverage options known as “riders” at no extra cost. These riders include:

• Accident forgiveness: Experience no increase in premiums for your first at-fault accident if you’ve been an Erie member for more than three years.
• Windshield repair: Receive a waiver on your comprehensive deductible if you repair instead of replacing a damaged windshield.
• Pet injury coverage: Erie Insurance will cover up to $500 per pet or $1,000 in total if your pet gets injured in a car accident.
• Trip interruption coverage: If your car breaks down due to a covered event, insurance will cover the cost of meals and housing.

On top of these riders, Erie Auto Insurance also offers built-in coverages when you rent or borrow a car, coverage for relatives who borrow your car, waived deductibles for certain losses, locksmith services, and emergency roadside assistance.

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How Much Does Erie Auto Insurance Cost?

Erie Auto Insurance is known for not only providing excellent coverage but also offering competitive pricing. According to Insurify, Erie’s prices are lower than the national average price of auto insurance across all ages and genders. In fact, drivers with minor to serious driving infractions can see premiums over $100 cheaper monthly with Erie Insurance. This affordability coupled with comprehensive policies and highly rated customer service makes Erie Auto Insurance a top choice for budget-conscious drivers.

How to File a Claim With Erie Car Insurance

Filing a claim with Erie Car Insurance is a straightforward process. Simply contact an Erie Insurance agent or call (800) 367-3743. However, it’s important to note that unless your claim is related to windshield/auto glass or roadside assistance, you must speak to a representative to file your claim instead of doing it yourself on a mobile app or web browser.

To speed up the claims process, it’s recommended to have the following information ready:

• Names and contact information of everyone involved in the accident (passengers, drivers, pedestrians, witnesses, etc.)
• Photos of each party’s license, car registration, and insurance ID cards
• Makes and models of the vehicles involved in the accident
• Details like location, time, and weather conditions during the incident
• Police report number

Once you file a claim, keep in mind that you may have to pay a deductible if you have one. If the repair amount exceeds your deductible, Erie Insurance may deny your claim.

Erie Auto Insurance: How It Compares

When comparing Erie Auto Insurance to other providers, it’s essential to evaluate factors like pricing, coverage options, and customer satisfaction. Let’s take a closer look at how Erie stacks up against its competitors:

Erie vs. Amica Car Insurance

Based on sample rates, Amica’s car insurance prices are almost four times more expensive than Erie Insurance. However, Amica scored number one in JD Power’s auto insurance claims satisfaction study, while Erie ranks at number three. While Erie shines in terms of affordability and coverage, Amica offers unique benefits like identity fraud monitoring, deluxe rental coverage, good driver rewards, and the potential to earn dividends on your auto insurance policy.

Erie vs. American Family Car Insurance

Erie offers a cheaper policy than American Family Insurance and is also more highly rated in terms of customer service. However, American Family provides more discounts, potentially reducing the overall cost. In terms of coverage options, Erie takes the lead with features such as rate locks, vanishing deductibles, and potential waiver of deductibles for non-at-fault accidents.

Erie Insurance vs. State Farm

While State Farm comes with a lower price tag, Erie Insurance outranks it in terms of customer service. State Farm also has more customer complaints compared to Erie. Additionally, Erie provides valuable add-ons like gap insurance, accident forgiveness coverage, new or better car replacement, and diminishing deductibles. Another notable difference is that Erie Insurance works with independent agents, while State Farm sells policies exclusively through captive agents.

Trust Us, Trust Erie Insurance

At Personal Finance Insider, we prioritize our readers’ needs and strive to provide accurate and impartial information. Our reviews are based on the quality of the insurance provider, the range of their offerings, and the experiences of our team. We take into account factors such as customer service, financial strength, agent availability, digital experience, and ethics. For company offerings, we evaluate affordability, policy types, available coverages, and standard exclusions. Rest assured, our in-depth review process ensures you have all the information you need to make an informed decision.

In conclusion, Erie Auto Insurance offers a comprehensive package of coverage options at competitive prices. With its long-standing reputation for excellent customer service and a wide range of built-in features, it’s no wonder Erie Insurance is a popular choice for drivers across the 12 states they serve. So whether you’re looking for cheap car insurance or a reliable insurer with top-notch coverage, Erie Auto Insurance may be the perfect fit for you.

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