Erie Car Insurance Review (2024)
Erie car insurance is offered in a number of states including Kentucky, Virginia, and Wisconsin. J.D. Power ranked Erie Insurance second-highest in customer satisfaction during 2020 for the Mid-Atlantic region. Your car insurance rates will vary depending on factors including your age and location, so a quote will be the best way to determine what you'll pay.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: A+
- Monthly Rates From: $22-$58
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: (800) 367-3743
If you’re in the market for car insurance, Erie Insurance Group is a company worth considering. With over 95 years of experience, Erie Insurance has become a trusted name in the insurance industry.
Car insurance is a necessary expense for anyone who owns a car, and the right policy can provide peace of mind in the event of an accident. Knowing the basics of car insurance can also help you better understand what you might need. With Erie Insurance, you’ll have access to comprehensive coverage and exceptional customer service. Let’s take a closer look at the company’s history, mission, products, discounts, and customer reviews.
Erie Insurance Average Monthly Rates vs U.S. Average
Coverage Type | Erie | U.S. Average |
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Full Coverage | $58 | $119 |
Minimum Coverage | $22 | $45 |
Erie Car Insurance Cost: Unveiling Affordable Options
When considering car insurance, understanding the cost is a pivotal aspect of the decision-making process. Erie Car Insurance offers a range of coverage options tailored to your needs and budget. This section will provide insights into the factors influencing Erie Car Insurance costs, helping you make informed decisions.
Please note that car insurance costs can vary significantly based on individual circumstances. Several factors contribute to the cost of Erie Car Insurance. These factors can include:
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Location: Where you live affects your insurance rates. Urban areas may have higher premiums due to increased traffic and accident risks.
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Driving History: Your driving record plays a significant role. A clean record often leads to lower premiums, while accidents and violations can increase costs.
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Vehicle Type: The make, model, and age of your vehicle can impact your rates. High-performance or luxury cars may have higher premiums.
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Coverage Type: The level of coverage you choose, such as liability, comprehensive, or collision, will affect your costs.
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Deductibles: Higher deductibles can lower your premiums, but they also mean you’ll pay more out of pocket in the event of a claim.
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Discounts: Erie offers various discounts, such as multi-policy discounts and safe driver incentives, which can reduce your costs.
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Age and Gender: Younger and less experienced drivers often pay higher rates. Gender can also impact premiums in some states.
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Credit Score: In some states, your credit score can influence your insurance rates.
To determine the exact cost of Erie Car Insurance for your specific situation, it’s advisable to request a personalized quote from Erie or an authorized agent. This will provide you with a more accurate estimate based on your unique circumstances.
Erie Car Insurance offers competitive rates and a variety of coverage options to suit your needs. Remember that the cost of insurance is highly individual, so getting a personalized quote is the best way to understand what you’ll pay. Evaluate your options carefully to find the coverage that best fits your budget and provides the protection you need.
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Types of Erie Car Insurance Offered
There is a wide variety of car insurance coverage that you can include in your policy. Erie Insurance offers a variety of car insurance products, including liability, collision, and comprehensive coverage. The cost of Erie Insurance policies varies based on several factors, including the driver’s age, driving record, and the type of car being insured.
Average Monthly Erie Auto Insurance Rates
Age & Gender of Driver | Average Monthly Rate |
---|---|
16-year-old male with a clean record | 232.68 |
16-year-old female with a clean record | 217.96 |
18-year-old male with a clean record | 189.18 |
18-year-old female with a clean record | 160.70 |
25-year-old male with a clean record | 70.51 |
25-year-old female with a clean record | 67.76 |
30-year-old male with a clean record | 65.58 |
30-year-old female with a clean record | 63.02 |
45-year-old male with a clean record | 58.40 |
45-year-old female with a clean record | 58.67 |
When considering car insurance, it’s essential to understand the range of coverage options available to meet your unique needs and circumstances. Erie Car Insurance offers a comprehensive set of coverage options, allowing you to tailor your policy to your specific requirements.
In this section, we’ll delve into the various coverage options provided by Erie Car Insurance, helping you make an informed decision about the protection you need. Erie Car Insurance offers a variety of coverage options, including:
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Liability Coverage: This coverage helps protect you in the event you’re at fault in an accident and it covers the other party’s medical expenses and property damage.
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Collision Coverage: If your vehicle is damaged in a collision with another vehicle or object, collision coverage helps pay for the repairs or replacement.
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Comprehensive Coverage: Comprehensive coverage takes care of non-collision-related damages to your vehicle, such as theft, vandalism, or damage from weather events.
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Uninsured/Underinsured Motorist Coverage: This coverage safeguards you in case you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages.
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Personal Injury Protection (PIP): PIP coverage assists in covering medical expenses and lost wages for you and your passengers, regardless of fault, in the event of an accident.
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Medical Payments Coverage: This covers medical expenses resulting from an accident, irrespective of who is at fault.
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Roadside Assistance: Erie offers emergency roadside assistance, which can be added to your policy for help with flat tires, dead batteries, and more.
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Rental Car Reimbursement: In the event your vehicle is in the shop for repairs after a covered accident, this coverage helps with the cost of renting a replacement car.
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Pet Coverage: If your pets are injured in an accident, Erie offers optional pet coverage to help with veterinary bills.
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Custom Equipment Coverage: If you’ve added custom equipment to your vehicle, such as a stereo system or custom wheels, this coverage can help protect those enhancements.
Erie Car Insurance offers a wide range of coverage options to cater to your specific needs and ensure you’re adequately protected on the road. By understanding these coverage types and tailoring your policy to your circumstances, you can have peace of mind knowing that you have the right protection in place. Don’t hesitate to reach out to an Erie agent to discuss the coverage options that best suit you.
Erie car insurance policies are available in 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
Erie Car Insurance Discounts
Erie Insurance offers several discounts to its policyholders, including multi-car discounts, safe driver discounts, and discounts for bundling multiple policies. Erie Insurance also offers discounts to drivers who complete defensive driving courses, as well as good student discounts for car insurance coverage. This is a discount given to young drivers who maintain good grades in school.
In this section, we’ll take a closer look at the discounts available through Erie Car Insurance, helping you make informed decisions about your policy. Erie Insurance provides several discounts to its policyholders, including:
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Multi-Car Discounts: If you insure more than one vehicle with Erie, you can often enjoy a multi-car discount, reducing your overall premium costs.
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Safe Driver Discounts: Maintaining a clean driving record can lead to lower premiums. If you’re a safe driver with no recent accidents or violations, you may qualify for this discount.
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Multi-Policy Discounts: Combining your auto insurance with other policies, such as homeowners or renters insurance, can lead to significant savings through multi-policy discounts.
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Defensive Driving Course Discount: Completing a recognized defensive driving course can make you eligible for a discount, as it demonstrates your commitment to safe driving.
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Good Student Discounts: If you’re a student and maintain good grades in school, Erie offers discounts as a reward for academic excellence.
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Senior Discounts: In some cases, senior citizens may be eligible for discounts on their auto insurance premiums.
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Safety Equipment Discounts: If your vehicle is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you could qualify for discounts.
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Low Mileage Discounts: If you drive less than the average number of miles each year, you may be eligible for a low mileage discount.
Erie Car Insurance offers a range of discounts that can make your auto insurance more affordable while still providing comprehensive coverage. By taking advantage of these discounts, you can enjoy peace of mind on the road without breaking the bank. To determine which discounts you’re eligible for and to get a quote tailored to your needs, don’t hesitate to reach out to Erie Insurance for more information.
Erie Car Insurance Claims Process
Ease of Filing a Claim
Erie Insurance offers a streamlined and convenient claims process to its policyholders. Customers have the option to file a claim through various channels, making it accessible and hassle-free. Whether you prefer to file a claim online through their website, over the phone by speaking with a representative, or using their mobile app, Erie Insurance provides flexibility to meet your needs.
Average Claim Processing Time
Erie Insurance is committed to efficient claim processing. While specific processing times may vary depending on the nature and complexity of the claim, the company strives to handle claims promptly. Their dedication to quick and fair resolutions ensures that policyholders can get back on the road with minimal disruption.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction is paramount for Erie Insurance, and their track record reflects this commitment. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Erie Insurance ranked second-highest among car insurance companies in customer satisfaction in the Mid-Atlantic region.
Policyholders have consistently praised Erie Insurance for its excellent customer service and fair claim resolutions, which provide peace of mind during challenging times.
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Erie Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Erie Insurance offers a user-friendly mobile app designed to enhance the customer experience. The app provides a range of features and functionalities, including the ability to manage your policy, access digital ID cards, and report and track claims from the convenience of your mobile device. This digital tool empowers policyholders with on-the-go access to essential insurance services.
Online Account Management Capabilities
Erie Insurance’s online account management system offers policyholders a comprehensive platform to oversee their insurance policies. Through the online portal, customers can review policy details, make payments, update personal information, and access important documents. The user-friendly interface simplifies the management of insurance policies, giving policyholders greater control over their coverage.
Digital Tools and Resources
In addition to their mobile app and online account management, Erie Insurance provides various digital tools and resources to educate and assist policyholders. These resources may include informative articles, educational videos, and interactive tools to help customers make informed decisions about their insurance coverage.
Erie Insurance’s commitment to leveraging technology ensures that policyholders have access to valuable information and support whenever they need it.
Customer Reviews for Erie Car Insurance
Erie Insurance has received mostly positive reviews from its customers. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Erie Insurance ranks as the second-highest among car insurance companies in customer satisfaction in the Mid-Atlantic region. Customers have praised Erie Insurance for its excellent customer service and affordable rates.
Other things to consider and look into would be the financial ratings and the car insurance claim process with the company.
History and Mission of Erie Insurance
Erie Insurance was founded in 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania. The company’s mission is to provide high-quality insurance products and exceptional customer service to its policyholders. Over the years, Erie Insurance has expanded its product offerings and now provides coverage for auto, home, business, and life insurance.
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Erie Car Insurance: Conclusion
Erie Insurance is a reputable insurance company that provides a wide variety of insurance products and exceptional customer service. If you live in one of the 12 states where Erie car insurance is available, it’s definitely worth considering when shopping for car insurance.
With competitive rates and discounts, Erie car insurance can provide the coverage you need at a price you can afford. So why not get a quote today and see how Erie Insurance can protect you and your car?
Frequently Asked Questions
Where is Erie car insurance available?
Erie sells car insurance in 12 different states, including Kentucky, Wyoming, and Virginia.
Will Erie car insurance be expensive?
Your rates are going to be determined based on a number of factors, including your age, where you live, and your driving record. Maintaining a clean driving record is the best way to stay in control of how much your coverage will cost.
What kind of car insurance can I purchase from Erie?
You can choose how much coverage you want to be included in your car insurance policy including liability, collision, and comprehensive coverage. Check with your state to see what the minimum limits you should purchase will be.
What is Erie Car Insurance?
Erie Car Insurance is an insurance company that provides auto insurance coverage to protect you and your vehicle in case of accidents, theft, or other unexpected events.
Are there discounts available for Erie Car Insurance policies?
Yes, Erie Insurance offers various discounts to help you save on your car insurance premiums. These discounts may include multi-policy discounts, safe driver discounts, good student discounts, and more. Be sure to inquire about available discounts when requesting a quote.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.