Erie vs NJM Insurance Car Insurance for 2023

Car insurance is an essential requirement for every car owner, as it protects you from the financial burden of unexpected accidents or damages. With so many car insurance options available in the market, it can be challenging to choose the right one for your needs. This review compares two popular car insurance providers, Erie car insurance and Nationwide car insurance, to help you make an informed decision in 2023.

Interesting Attributes of Erie and Nationwide Car Insurance

Before diving into the details, here are three interesting attributes of Erie and Nationwide Car Insurance that make them stand out in the market:

• Erie Insurance has been named as the highest-ranked auto insurance company in the J.D. Power 2022 U.S. Auto Insurance Satisfaction Study, for the seventh consecutive year.
• Nationwide offers a SmartRide program that tracks your driving behavior and rewards you with discounts based on your driving habits.
• Both companies offer a mobile app that allows you to manage your policy, file claims, and view insurance documents conveniently.

Erie and Nationwide are two of the most popular car insurance providers in the United States. This review compares the two companies based on their history and mission, main products and services, costs, discounts, and customer reviews.

Company History and Mission

Erie Insurance was founded in 1925 in Erie, Pennsylvania, with the goal of providing affordable and reliable insurance coverage to the local community. Today, the company has expanded to 12 states and the District of Columbia and offers a range of insurance products, including auto, home, life, and business insurance.

Nationwide was founded in 1926 as Farm Bureau Mutual Automobile Insurance Company in Columbus, Ohio. The company has since grown to offer a range of insurance products, including auto, home, life, and pet insurance, to customers in all 50 states and the District of Columbia.

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Main Products and Services, Costs, and States Where Services are Offered

Both Erie and Nationwide offer similar coverage options, including liability, collision, comprehensive, and personal injury protection. However, Erie offers a few additional coverage options such as pet coverage, windshield repair, and rental car coverage.

The cost of insurance depends on several factors, including your driving history, age, location, and the coverage options you choose. According to a study by U.S. News & World Report, Erie’s average annual premium for car insurance is $1,126, while Nationwide’s is $1,256. However, these costs may vary based on individual factors.

Erie offers car insurance in 12 states and the District of Columbia, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Nationwide, on the other hand, offers car insurance in all 50 states and the District of Columbia.

Discounts

Both Erie and Nationwide offer various discounts to their customers, which can help you save money on your car insurance premiums. Some of the common discounts offered by both companies include:

• Safe driver discounts
• Multi-car discounts
• Anti-theft device discounts
• Good student discounts
• Military discounts
• Homeowner discounts
• Bundling discounts

Nationwide also offers a SmartRide program that tracks your driving behavior through a mobile app and rewards you with discounts based on your driving habits.

Customer Reviews:

Overall, both Erie and Nationwide have positive customer reviews, with customers praising the companies for their competitive pricing, excellent customer service, and easy claims process. However, some customers have reported issues with claims processing and communication with customer service representatives.

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FAQ:

Q: Can I get a discount for bundling my car insurance with other insurance policies?

A: Yes, both Erie and Nationwide offer discounts for bundling multiple insurance policies.

Q: What types of discounts are available for car insurance customers?

A: Both Erie and Nationwide offer a range of discounts, including multi-car discounts, safe driving discounts, and discounts for completing a driver’s education course.

Q: How can I qualify for a safe driving discount?

A: Safe driving discounts are typically offered to drivers who have a clean driving record with no accidents or violations in a certain period of time, typically three to five years.

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