Erie vs Shelter Insurance Car Insurance for 2023
Erie and Shelter Insurance, both longstanding players in the car insurance industry, have forged their reputations on a commitment to providing diverse coverage options and exceptional service, making them formidable choices for consumers seeking reliable and affordable insurance solutions.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Dec 1, 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: Dec 1, 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
| Factor | Erie | Shelter |
|---|---|---|
| Clean Record | $58 | $102 |
| 1+ Ticket | $70 | $126 |
| 1+ Accident | $82 | $156 |
| DUI | $107 | $175 |
| Poor Credit | $100 | $175 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Erie | Shelter |
|---|---|---|
| Safe Driver | 7% | 20% |
| Low Mileage | 11% | 8% |
| Anti Theft | 9% | 10% |
| Paperless | 6% | 5% |
| Senior Driver | 16% | 15% |
| Good Student | 12% | 10% |
Erie Insurance
Pros:
- Long-standing Reputation: With over 90 years in the industry, Erie has established itself as a reputable and reliable car insurance provider.
- Affordable Rates: Known for providing competitive rates and discounts, Erie caters to cost-conscious drivers.
- Coverage Options: Erie offers a variety of coverage options, including additional perks like rental car coverage, pet coverage, and personal item coverage.
- Customer Satisfaction: Ranked #1 in the Mid-Atlantic region for customer satisfaction according to J.D. Power’s 2021 U.S. Auto Insurance Study.
Cons:
- Limited Availability: Erie operates in only 12 Eastern U.S. states, limiting its reach compared to nationwide providers.
- Regional Focus: While expanding, Erie’s primary focus remains in the Eastern United States, potentially limiting accessibility for those outside this region.
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Shelter Insurance
Pros:
- Decades of Experience: With a foundation dating back to 1946, Shelter Insurance brings decades of experience to the table.
- Affordable Rates: Shelter is recognized for offering affordable rates and a variety of coverage options.
- Unique “Personal Umbrella” Policy: Shelter stands out with a unique policy providing additional coverage beyond standard car insurance.
- Customer Satisfaction: Ranked #1 in the Central region for customer satisfaction as per J.D. Power’s 2021 U.S. Auto Insurance Study.
Cons:
- Limited Geographic Presence: Shelter primarily serves the Midwest and South, potentially restricting availability for those in other regions.
- Smaller Market Share: While reputable, Shelter may not have the same market presence as larger, nationwide competitors.
Choosing the Best: Erie vs. Shelter Insurance
Erie Insurance: A Clear Winner
Erie’s extensive history, competitive rates, and commitment to customer satisfaction make it the optimal choice for discerning insurance seekers. With over 90 years of industry experience, Erie has solidified its reputation as a reliable provider with a customer-first approach.
The company’s affordable rates, coupled with a wide range of coverage options, cater to various needs. Notably, Erie’s #1 ranking in the Mid-Atlantic region for customer satisfaction, according to J.D. Power’s 2021 U.S. Auto Insurance Study, reinforces its commitment to delivering exceptional service.
While Shelter Insurance has its merits, Erie’s broader geographic availability, strong market presence, and comprehensive offerings make it our unequivocal recommendation for those seeking the best overall value in car insurance.
Erie Insurance
Erie Insurance, with a rich history spanning over 90 years, has established itself as a reputable car insurance provider. The company was founded in Pennsylvania in 1925 and has since expanded its operations to cover 12 states in the Eastern United States.
Erie’s mission has remained consistent throughout its existence: to provide quality insurance products at a fair price, coupled with the best possible service. This unwavering commitment to its founding principles has made Erie Insurance a trusted choice for customers looking for reliable car insurance coverage.
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Shelter Insurance
Shelter Insurance, founded in 1946 in Missouri, is another well-established car insurance provider. The company has spent decades delivering a wide range of insurance products, designed to help both individuals and businesses protect their property from unexpected loss.
Shelter Insurance is known for its regional presence, primarily serving customers in the Midwest and South. With a mission focused on safeguarding property, Shelter has built a reputation for providing affordable rates and an array of coverage options to meet the diverse needs of its customer base.
Products and Services
Erie offers a variety of car insurance products, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer additional options such as rental car coverage, pet coverage, and personal item coverage. The cost of Erie’s services varies depending on factors such as your age, driving record, and location. In general, Erie is known for providing affordable rates and discounts for safe driving.
Products and Services
Shelter offers a variety of car insurance products, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer additional options such as roadside assistance, rental car coverage, and personal item coverage. The cost of Shelter’s services varies depending on factors such as your age, driving record, and location. In general, Shelter is known for offering affordable rates and a variety of coverage options.
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Discounts Available for Customers
Erie offers a variety of discounts for customers, including multi-policy, safe driver, and advanced safety technology discounts. They also offer discounts for young drivers who complete driver training programs and for customers who pay their premiums in full. Shelter offers a variety of discounts for customers, including safe driver, multi-policy, and homeowner discounts. They also offer a unique “Personal Umbrella” policy that provides additional coverage beyond your car insurance policy. To qualify for this policy, you must have a Shelter auto policy with liability limits of at least $250,000/$500,000.
Case Studies: Erie vs. Shelter Insurance Car Insurance
Case Study 1: The Reliable Choice
John, a meticulous driver, decided to switch his car insurance provider from Shelter Insurance to Erie after hearing positive reviews about their excellent customer service. While he had been content with Shelter Insurance, he wanted to explore better options. Erie’s competitive rates and reputation for reliability appealed to John. In this case study, we will explore John’s experience with Erie Insurance and how it compares to his previous provider.
Case Study 2: The Unexpected Accident
Sara, a long-time customer of Erie Insurance, unfortunately experienced an unexpected car accident. Despite being initially worried about the claims process, she was relieved by the prompt and efficient response of Erie’s claims department. This case study delves into Sara’s experience with Erie Insurance during a challenging time and examines how the company handled her accident claim.
Case Study 3: The Personalized Approach
Tom, a new driver seeking car insurance, opted for Shelter Insurance due to their reputation for providing personalized coverage options. Tom valued the opportunity to work closely with an agent to tailor his policy to his specific needs and budget. This case study explores Tom’s experience with Shelter Insurance and how the personalized approach impacted his satisfaction as a customer.
Case Study 4: The Competitive Pricing
Linda, a cost-conscious driver, decided to switch her car insurance coverage from Erie Insurance to Shelter Insurance due to the latter’s competitive pricing. Although Linda was generally satisfied with her experience with Erie, she believed that she could save significantly by choosing Shelter Insurance. This case study delves into Linda’s decision-making process and assesses whether Shelter Insurance lived up to her expectations in terms of affordability.
Case Study 5: The Customer Service Dilemma
Mark, a long-standing customer of Shelter Insurance, experienced a frustrating interaction with their customer service department when he needed to make changes to his policy. Dissatisfied with the lack of responsiveness and conflicting information he received, Mark contemplated switching to Erie Insurance. This case study explores Mark’s encounter with Shelter Insurance’s customer service and examines how it impacted his loyalty as a customer.
Navigating Erie vs. Shelter Insurance Claims Process
Ease of Filing a Claim
Both Erie and Shelter Insurance offer convenient ways to file a claim. Customers can file claims online through their respective websites or mobile apps, providing a hassle-free experience. Additionally, claims can also be filed over the phone for those who prefer speaking with a representative.
Average Claim Processing Time
The average claim processing time can vary depending on the complexity of the claim and other factors. However, both Erie and Shelter Insurance are known for their prompt and efficient claims processing. Customers can generally expect a quick turnaround when filing a claim, allowing them to get back on the road sooner.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Erie and Shelter Insurance both have positive customer reviews regarding their claim resolutions and payouts. Customers have reported satisfaction with the fairness and efficiency of the claims settlement process, which is a crucial aspect of any car insurance provider’s service.
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Unveiling Erie vs. Shelter Insurance Digital and Technological Advancements
Mobile App Features and Functionality
Both Erie and Shelter Insurance offer mobile apps that provide convenient features and functionality for policyholders. These apps allow customers to access their policies, view digital ID cards, make payments, and even file claims directly from their smartphones. The user-friendly interfaces of these apps make managing car insurance on the go a seamless experience.
Online Account Management Capabilities
Policyholders of Erie and Shelter Insurance can manage their accounts online through their respective websites. This includes the ability to view policy details, make changes to coverage, and review billing information. The online account management portals are designed to simplify the policy management process and provide customers with easy access to their insurance information.
Digital Tools and Resources
Both insurance providers offer digital tools and resources to help customers make informed decisions about their coverage. These tools may include online calculators to estimate insurance costs, educational resources about various coverage options, and informative articles to enhance policyholders’ understanding of car insurance. These digital resources contribute to a more transparent and customer-focused approach to insurance.
Customer Reviews
Erie has a strong reputation for excellent customer service and financial stability. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Erie ranks #1 in the Mid-Atlantic region for customer satisfaction. Customers also praise Erie for their quick claims processing and knowledgeable agents. Shelter has a strong reputation for financial stability and customer satisfaction. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Shelter ranks #1 in the Central region for customer satisfaction. Customers praise Shelter for their affordable rates, knowledgeable agents, and quick claims processing.
Frequently Asked Questions
Which company offers cheaper car insurance rates, Erie, or Shelter Insurance?
The cost of car insurance can vary significantly based on multiple factors, including your location, driving history, and coverage needs. To determine which company offers the cheaper rates for your specific situation, it’s recommended to obtain quotes from both Erie and Shelter Insurance and compare them.
What types of discounts are available from Erie and Shelter Insurance?
Both Erie and Shelter Insurance offer a range of discounts for their customers. These may include safe driver discounts, multi-policy discounts, and advanced safety technology discounts. Additionally, Erie provides discounts for young drivers who complete driver training programs and for customers who pay their premiums in full.
Shelter Insurance offers a unique “Personal Umbrella” policy that extends coverage beyond your standard car insurance policy, provided you have a Shelter auto policy with liability limits of at least $250,000/$500,000.
In which states are Erie and Shelter Insurance available?
Erie Insurance is available in 12 states located in the Eastern United States. These states include Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. On the other hand, Shelter Insurance operates in 18 states, with a primary focus on the Midwest and Southern regions.
Can I customize my car insurance coverage with Erie and Shelter Insurance?
Yes, both Erie and Shelter Insurance allow policyholders to customize their car insurance coverage to fit their specific needs. For instance, Erie offers additional options such as rental car coverage, pet coverage, and personal item coverage.
Shelter Insurance offers various coverage options, including roadside assistance, rental car coverage, and personal item coverage, and also offers a unique “Personal Umbrella” policy for additional coverage.
Which company has a better reputation for customer service and claims processing, Erie, or Shelter Insurance?
Both Erie and Shelter Insurance are highly regarded for their customer service and claims processing. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Erie ranks #1 in the Mid-Atlantic region for customer satisfaction, while Shelter Insurance holds the top spot in the Central region.
Customers of both companies have praised their quick claims processing and knowledgeable agents, making them strong contenders in these aspects.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
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.