Erie vs Home State Car Insurance for 2023
Erie vs Home State: Which Insurance Provider Offers the Best Home Insurance?
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 9, 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: Apr 9, 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
If you’re looking for car insurance, you might be considering Erie vs Home State. These two insurance providers offer a range of coverage options for drivers, including liability, collision, and comprehensive coverage.
But which one is the best choice for you? In this article, we’ll compare Erie car insurance vs Home State car insurance and explore their history, products, discounts, customer reviews, and more. By the end of this review, you’ll have a better idea of which car insurance company is right for you.
Interesting Attributes of Erie vs Home State Car Insurance
- Erie Insurance offers a Rate Lock feature that guarantees your auto insurance premium won’t change until you make certain changes to your policy, such as adding or removing a driver or vehicle.
- Home State Insurance offers a Claims-Free Cashback program that rewards policyholders with a cashback bonus for every year they don’t make a claim.
- Both Erie and Home State Insurance are highly rated by independent insurance rating agencies such as A.M. Best and J.D. Power.
Company History and Mission
Erie Insurance was founded in 1925 in Pennsylvania and has since expanded to offer car insurance in 12 states and the District of Columbia. Their mission is to provide quality insurance products and services to their policyholders while maintaining financial stability and growth.
Home State Insurance was founded in 1980 and offers car insurance in 12 states. Their mission is to provide affordable insurance products and excellent customer service to their policyholders.
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Products and Services Offered
Erie Insurance offers a range of car insurance coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer add-on coverage options such as rental car coverage and pet injury coverage. Erie Insurance policies are available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
Home State Insurance offers similar coverage options to Erie Insurance, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer add-on coverage options such as roadside assistance and rental car reimbursement. Home State Insurance policies are available in Alabama, Arizona, California, Colorado, Georgia, Idaho, Illinois, Indiana, Kansas, Missouri, Ohio, and Texas.
Cost of Services
The cost of Erie Insurance and Home State Insurance policies varies depending on a number of factors, including the driver’s age, driving history, location, and the type of coverage they choose. To get an accurate quote for either company, drivers can request a quote online or through a local agent.
Discounts Available to Customers
Both Erie Insurance and Home State Insurance offer a range of discounts to their policyholders. Some common discounts include:
- Safe driver discount: for drivers with a clean driving record
- Multi-car discount: for policyholders with more than one car on their policy
- Multi-policy discount: for policyholders who have multiple insurance policies with the same company
- Good student discount: for students who maintain a certain GPA or are on the dean’s list
To qualify for these discounts, drivers should check with their insurance agent and provide any necessary documentation.
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Customer Reviews
Erie Insurance and Home State Insurance have both received positive customer reviews from policyholders. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Erie Insurance ranked above average in overall customer satisfaction among 24 auto insurance providers in the Central region. Home State Insurance has also received positive customer reviews for their affordable rates and friendly customer service.
FAQ
Q: Can I purchase car insurance online from Erie or Home State Insurance?
A: Yes, both Erie Insurance and Home State Insurance offer online quoting and purchasing options.
Q: What types of discounts does Erie offer for car insurance?
A: Erie offers a variety of discounts, including multi-policy discounts, safe driving discounts, and discounts for features such as anti-theft devices and airbags. They also offer a discount for drivers under the age of 21 who complete an approved driver training course.
Q: Does Home State offer roadside assistance?
A: Yes, Home State offers roadside assistance as an optional add-on to their car insurance policies. This service includes towing, jump-starts, flat tire changes, and other emergency services.
Q: Are Erie and Home State available in all states?
A: Erie is currently available in 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Home State operates in 6 states: Arizona, Nevada, Oregon, Texas, Utah, and Washington.
Q: Can I get a quote online for Erie or Home State car insurance?
A: Yes, both Erie and Home State offer online quotes for car insurance. Customers can visit their respective websites to get a quote and compare coverage options.
Q: How do I file a claim with Erie or Home State?
A: To file a claim with Erie or Home State, customers can contact their claims department by phone or online. Both companies have dedicated claims representatives who can guide customers through the process and help them get their vehicles repaired as quickly as possible.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.