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Erie insurance protection evaluation: One in every of our high picks for handiest auto and renters insurance protection

Deepest Finance Insider writes about merchandise, programs, and tips to say you how to assemble intellectual choices alongside with your money. We could additionally simply receive a little commission from our companions, esteem American Explain, but our reporting and suggestions are repeatedly self reliant and purpose. Phrases note to offers listed on this internet page.…

Erie insurance protection evaluation: One in every of our high picks for handiest auto and renters insurance protection

Deepest Finance Insider writes about merchandise, programs, and tips to say you how to assemble intellectual choices alongside with your money. We could additionally simply receive a little commission from our companions, esteem American Explain, but our reporting and suggestions are repeatedly self reliant and purpose. Phrases note to offers listed on this internet page. Learn our editorial requirements.

Erie insurance protection pros and cons

Erie auto insurance protection offers low prices and gorgeous buyer service 


JD Energy Customer Pride Rating


#2


AM Finest Financial Strength Rating


A+ (Superior)


JD Energy Customer Pride Rating


#2


AM Finest Financial Strength Rating


A+ (Superior)

Pros

  • Reputation for low prices and exact service
  • Within the regions the attach it supplied protection, Erie used to be ranked in the discontinue three in buyer pleasure and high ten in auto claims pleasure surveys by J.D. Energy
  • Multiple discounts for auto insurance protection
  • Flood insurance protection and assured alternative cost for house owners

Cons

  • Handiest accessible 12 states plus D.C. in mid-Atlantic, north central, and southeast regions of the US
  • No longer as digital-savvy as totally different companies


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Extra Knowledge

  • Sizable buyer service with plenty of discounts
  • Available in 12 states plus Washington, D.C.
  • Save money for exact driving by the YourTurn program

Erie Insurance protection has been in industrial since 1925. It ranked #2 in J.D. Energy’s auto claims pleasure ogle and acquired 901 aspects on a 1,000-point scale, above the alternate average of 880 aspects. 

Erie Insurance protection encourages its customers to non-public interaction with their brokers. Folk that prefer to preserve and manage their insurance policies on-line could additionally simply get Erie Insurance protection’s digital expertise underwhelming. 

Erie Insurance protection is famous for its high-notch buyer service. Correct by the pandemic, Erie mailed customers checks for as a lot as 5% of their premiums to offset pandemic costs and reduced charges right by the board by 5% for current and recent customers.

Fancy most insurance protection companies, Erie Insurance protection offers discounts for bundling your non-public residence and auto insurance protection. Erie offers liability insurance protection (required by most states), completecollision, and chubby vehicle protection. Your lender could additionally simply require complete and collision protection in case you rent and finance your vehicle. 

Erie’s auto sever mark and additional substances:

  • Erie fee lock — This endorsement will wait on you freeze your auto premiums no topic adjustments to your policy and even in case you file a express.
  • Automobile storage sever mark —  In case you intend to position your vehicle in storage for 90 consecutive days, that you just can additionally get a reduced utilization sever mark to your premiums. 
  • Security financial savings sever mark — Salvage a sever mark for equipping your vehicle with factory-keep in airbags, anti-theft devices, and anti-lock brakes.
  • Price perks sever mark — Receive a sever mark for paying your fee in chubby, upfront. 
  • Youthful driver sever mark — Drivers below 21 who done an authorised driver coaching route can qualify for a sever mark. 
  • College student sever mark — Qualify for a sever mark in case your youngster is away in college and leaves their vehicle at residence.
  • Diminishing deductible — Salvage as a lot as $100 off your deductible yearly that that you just must additionally very successfully be claims-unlock to a most of $500.
  • First accident forgiveness — In case that you just can additionally were a buyer for as a minimum three years, your premiums could additionally no longer assemble higher the well-known time you’re at fault in an accident. 
  • YourTurn program — YourTurn is a telematics smartphone app that enables safe drivers to ruin money. Drivers ages 16-23 can ruin rewards of as a lot as $10 every two weeks, and ages 24+ can ruin rewards of as a lot as $5 every two weeks, in step with driving 50 tracked miles and the taking part driver’s ranking for the length of the scoring duration. This program could additionally simply no longer be accessible in all states.
  • Rate lock — This option permits customers to lock a fee indefinitely as lengthy drivers and cars remain the identical.
  • Auto security endorsement — Erie Insurance protection will replace your vehicle with the most in model model year whether it is much less than two years broken-down and totaled. In case your vehicle is older than two years, Erie Insurance protection will replace it with the identical model but two years more moderen and with 30,000 fewer miles than your fashioned vehicle.
  • Pet protection — This policy will duvet clinical bills in case your pet is injured in an accident.
  • Auto glass repair — Available in case that you just can additionally non-public complete protection and waives deductible.
  • Locksmith service — Available in case that you just can additionally non-public complete protection, as a lot as $75 for a locksmith.
  • Roadside & condominium vehicle bundle —This option is supplied in case you want emergency companies.

Erie auto insurance protection quotes

Erie insurance protection’s auto insurance protection charges are quite inexpensive, in particular for drivers with a DUI, an at-fault accident on narrative, and a speeding mark. It is additionally lower than the nationwide average, in response to details from Insurify — an self reliant insurance protection browsing instrument.

Knowledge sourced from Insurify.

Consult with Erie’s vehicle insurance protection internet situation to learn more.

Erie house owners insurance protection is ranked high in buyer pleasure and offers flood insurance protection


JD Energy Customer Pride Rating


#3


AM Finest Financial Strength Rating


A+ (Superior)


JD Energy Customer Pride Rating


#3


AM Finest Financial Strength Rating


A+ (Superior)

Pros

  • Reputation for low prices and exact service
  • Within the regions the attach it supplied protection, Erie used to be ranked in the discontinue three in buyer pleasure and high ten in auto claims pleasure surveys by J.D. Energy
  • Multiple discounts for auto insurance protection
  • Flood insurance protection and assured alternative cost for house owners

Cons

  • Handiest accessible 12 states plus D.C. in mid-Atlantic, north central, and southeast regions of the US
  • No longer as digital-savvy as totally different companies


Learn Our Review
Learn Our ReviewA looong arrow, pointing genuine

Extra Knowledge

  • Provides discounts for safety programs esteem fireplace alarms, sprinkler, and burglar programs. It additionally offers multiple policy discounts and offers assured alternative cost in your broken property.

Erie Insurance protection ranked #3 on J.D. Energy’s house owners insurance protection buyer pleasure ogle. It scored 835 aspects on a 1,000-point scale, above the segment average of 825 aspects.

Erie Insurance protection offers house owners, renters, and


cell residence insurance protection

. Erie Insurance protection offers discounts in case your non-public residence is geared up with safety programs esteem fireplace alarms, sprinklers, and burglar programs. It additionally offers discounts for bundling multiple Erie Insurance protection merchandise.

In addition to to providing flood insurance protection, Erie Insurance protection offers assured alternative cost in your broken property. Change cost is more healthy than genuine money cost in case your items are broken or stolen.

Householders insurance protection protects your arrangement and non-public property and offers non-public liability protection for injuries to your non-public residence. To label Erie’s


house owners insurance protection

quotes, keep up a correspondence to an Erie insurance protection representative.

Erie house owners insurance protection substances

  • Assured alternative cost — As a alternative of using genuine money cost (ACV) to replace your items, Erie ensures alternative cost, which is more healthy.
  • Flood insurance protection — Many carriers attain no longer offer flood insurance protection – requiring you to search out a separate insurer – but Erie does.
  • Fire, housebreaking, and sprinkler sever mark — Discounts come in to house owners who set up smoke alarms, burglar programs, and sprinkler programs.
  • Multiple-policy sever mark — Salvage a sever mark in case that you just can additionally non-public multiple insurance policies with Erie depending to your instruct.

Vist Erie’s house owners insurance protection internet situation for more details.

Erie renters insurance protection is one in every of our high picks for renters insurance protection 


JD Energy Customer Pride Rating


N/A


AM Finest Financial Strength Rating


A+ (Superior)


JD Energy Customer Pride Rating


N/A


AM Finest Financial Strength Rating


A+ (Superior)

Extra Knowledge

  • Offers unit safety sever mark, attain quote sever mark, and discounts in step alongside with your age.

Erie Insurance protection does no longer impolite in J.D. Energy’s renters insurance protection buyer pleasure ogle. On the opposite hand, it is one in every of our high picks for Insider’s handiest renters insurance protection companies.

Erie Insurance protection offers discounts for bundling your insurance policies and getting a quote ahead of your policy begins. It additionally has discounts for having safety substances in your unit. To label Erie’s


renters insurance protection

quotes, keep up a correspondence to an Erie insurance protection representative.

Renters insurance protection will duvet your non-public property in the tournament of wretchedness and theft. Your landlord is in fee for insuring the constructing and constructing. A renters insurance protection policy has three well-known substances: non-public property protection, non-public liability protection, and “loss of use” protection.

Erie renters insurance protection discounts 

  • Multi-policy sever mark —  Salvage a sever mark in case you bundle multiple Erie Insurance protection insurance policies.
  • Security discounts — Receive a sever mark for placing in an dread or sprinkler machine. 
  • Improved quote sever mark — Salvage a sever mark for obtaining a quote seven days ahead of the starting up of your renters policy. 
  • Age of insured sever mark —  Salvage a sever mark in step alongside with your age. 

Consult with Erie’s renters insurance protection internet situation to learn more.

Erie lifestyles insurance protection offers duration of time, complete, universal, and a life like no-clinical examination policy. 


JD Energy Customer Pride Rating


N/A


AM Finest Financial Strength Rating


A+(Superior)


JD Energy Customer Pride Rating


N/A


AM Finest Financial Strength Rating


A+(Superior)

Pros

  • Reputation for low prices and exact service
  • Within the regions the attach it supplied protection, Erie used to be ranked in the discontinue three in buyer pleasure and high ten in auto claims pleasure surveys by J.D. Energy
  • Multiple discounts for auto insurance protection
  • Flood insurance protection and assured alternative cost for house owners

Cons

  • Handiest accessible 12 states plus D.C. in mid-Atlantic, north central, and southeast regions of the US
  • No longer as digital-savvy as totally different companies


Learn Our Review
Learn Our ReviewA looong arrow, pointing genuine

Extra Knowledge

  • Offers duration of time and everlasting lifestyles insurance protection

Erie Insurance protection offers duration of time, complete, and universal lifestyles insurance protection. It additionally offers ERIExpress Lifestyles for ages 18-55 — a no clinical examination duration of time or complete lifestyles insurance protection policy with as a lot as $500,000 in protection. Erie Insurance protection additionally offers a lengthy-duration of time care rider for at-residence, assisted living, and nursing residence care. To label Erie’s lifestyles insurance protection quotes, keep up a correspondence to an Erie insurance protection representative.

The 2 forms of lifestyles insurance protection are everlasting lifestyles and duration of time lifestyles. Term lifestyles insurance protection will handiest duvet a selected duration. When your policy is up, that you just can well reapply for cover. On the opposite hand, premiums will most certainly assemble higher as you age.

Permanent lifestyles insurance protection never expires, has a demise again in your beneficiaries, and a money cost that you just can well use for the length of your lifetime. Some monetary advisors recommend a combination of duration of time and everlasting lifestyles insurance protection.

Erie lifestyles insurance protection substances

  • Term lifestyles — Carry out from a 10, 15, 20, or 30-year duration of time thought. 
  • Total lifestyles — A lifelong policy which top class and protection that stays the identical at some point soon of your lifetime. 
  • Universal lifestyles — A versatile lifelong policy that builds money cost.
  • ERIExpress Lifestyles — Right here’s generally a duration of time or complete lifestyles policy with as a lot as $500,000 protection with out a clinical examination for ages 18-55. 
  • Long-duration of time care rider — Protection for assisted living, at-residence, and nursing care.

Consult with Erie’s lifestyles insurance protection internet situation for more details.

Erie insurance protection vs. Amica

Erie Insurance protection and Amica, and insurance protection are regional carriers that offer auto, house owners, lifestyles, and renters insurance protection. In case you cost exact buyer service in your house owners insurance protection supplier, that you just can additionally decide for Amica; in case you cost exact buyer service for auto insurance protection, that you just can additionally decide for Erie insurance protection instead. On the opposite hand, both are gorgeous auto and residence insurance protection suppliers, so deciding on one comes all of the system down to mark

Erie Insurance protection vs. American Family

Erie Insurance protection and American Family insurance protection are regional carriers that offer auto, house owners, lifestyles, renter, and renters insurance protection. In case you cost exact buyer service in your house owners and auto insurance protection, that you just can additionally decide for Erie Insurance protection. On the opposite hand, in case you cost exact buyer service in your renters insurance protection, American Family ranks extremely, whereas Erie Insurance protection does no longer. While Erie Insurance protection would not impolite in buyer pleasure, it is accrued our high catch for renters insurance protection in step with mark, discounts, and superior monetary energy. 

Is Erie honest?

Amongst all policy kinds, the NAIC Complaint Index reveals that Erie Insurance protection has moderately fewer complaints when put next with totally different high insurance protection companies. The National Affiliation of Insurance protection Commissioners (NAIC) is an insurance protection regulatory organization that protects shopper pursuits. The criticism index compares a firm’s efficiency to fully different efficiency of totally different suppliers in the alternate.

Erie Insurance protection‘s monetary steadiness is gorgeous with an AM’s Finest ranking of A+(Superior). AM’s Finest is a credit ranking standing agency that assesses an insurance protection firm’s skill to pay claims to its policyholders. A firm that receives an A++ to B+ is precise in monetary energy, whereas the leisure lower than a B system that a firm is unstable or unable to meet its monetary duties. 

Regularly requested questions — Erie Insurance protection

The attach is Erie Insurance protection supplied? 

Erie is licensed in the following jurisdictions:

  • District of Columbia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Novel York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

Erie has no plans to develop previous 12 states and D.C. The focal point is on giving customers in its arrangement the handiest cheap protection. 

How attain I label a quote from Erie Insurance protection? 

Obtaining an on-line quote from Erie Insurance protection is extremely strong. Erie Insurance protection encourages its customers to contact an agent to preserve and manage their policy. You would additionally use Erie’s agent locator instrument to get fascinating with an Erie Insurance protection representative. Alternatively, that you just can well name (800) 458-0811, to get fascinating with an Erie agent finish to you. 

How attain I pay my Erie Insurance protection bill? 

You pays your bill on-line, by phone, or by mail. 

In case you make a fee on-line, you will want your Erie policy number and zip code to log in. That that you just can additionally need your fee details. 

In case you’re paying by phone, contact:

Customer Care

(800) 458-0811, option 4

Monday – Friday, 8 a.m. – 11 p.m. (Eastern)

Saturday, 9 a.m. – 4: 30 p.m. (Eastern)

Erie Family Lifestyles

(800) 458-0811, option 3

Monday – Friday, 8 a.m. – 5: 30 p.m. (Eastern)

In case you’re paying by mail, send your funds to: 

Erie Insurance protection Community

100 Erie Insurance protection Space

Erie, PA 16530

Ronda Lee used to be previously an affiliate editor for insurance protection at Deepest Finance Insider covering lifestyles, auto, house owners, and renters insurance protection for customers. Sooner than joining Industry Insider, she used to be a contributing creator at HuffPost with featured articles in politics, education, model, murky voices, and entrepreneurship. She used to be additionally a freelance creator for PolicyGenius. She labored as an attorney practicing insurance protection defense and commercial litigation. 


Alani Asis

Deepest Finance Critiques Fellow

Alani Asis is a Deepest Finance Critiques Fellow who covers lifestyles, car, and house owners insurance protection. Sooner than Insider, Alani used to be a Mortgage Enhance Specialist and a non-public finance freelance creator primarily primarily based in Hawai’i. You would additionally attain her by electronic mail at aasis@insider.com or by Twitter @AlaniAsis. 


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