Erie insurance

Complaints, Ratings and Coverage

  • Customer satisfaction ratings are typically better than average
  • Has fewer customer complaints than the industry median, relative to its size
  • Erie locks in your auto insurance rate, so your premium won’t change unless you add or remove drivers or cars

Overview

Erie Insurance is a strong choice for auto insurance. The Erie, Pennsylvania, insurer operates in 12 states and Washington, D.C., and makes most customers happy: Erie gets generally high marks for satisfaction in J.D. Power ratings and few complaints. Here’s where Erie is available.

Erie auto insurance

Auto insurance policies from Erie Insurance include extras such as:

  • Rate lock, which lets you lock in your auto insurance rates until you add or remove drivers, add or remove vehicles, or move.
  • Accident forgiveness, which prevents you from facing a surcharge after your first at-fault accident once you’ve been an Erie customer for three years.
  • Diminishing deductible, which reduces your deductible by $100 for every consecutive year you don’t file a claim, up to $500.
  • Pet injury coverage: Up to $500 each for veterinary care for pets injured in your vehicle in an accident, up to $1,000.

Erie offers additional auto insurance options like:

  • New car protection: If you have a car up to 24 months old and it’s totaled, Erie will replace it with a new car of the current model year, but this isn’t available in every state.
  • Better car protection: If your car is at least 24 months old and is totaled, this coverage will pay for a car of the same make and model two years newer, or it will pay off the auto loan if there is one. This coverage isn’t available in every state.

Generous rental car coverage and options: Most auto insurers offer rental car coverage at an extra cost, so you have a way to get around if your car is in the shop for covered damage. Erie includes the basic coverage free in its comprehensive coverage, but you can pay up for upgraded rental options, such as a luxury car or SUV instead of a sedan.

Erie home insurance

Erie Insurance offers coverage for houses, condos and manufactured homes, plus coverage for renters and landlords. ErieSecure, the company’s base home policy, offers the usual features, plus some nice perks such as:

    • Guaranteed replacement cost so your home will be covered in full if it’s destroyed or damaged, with no “wear and tear” taken into account. This isn’t available in all states.
    • Animals are covered up to $500.
    • Mysterious disappearance, or simply losing your belongings, is covered with Erie’s base homeowner policy, unlike many competitors.

You can also add customized options to your policy, including:

  • Computer and electronic equipment coverage
  • Jewelry, art and high-end valuables coverage
  • Coverage for firearms
  • Identity theft recovery
  • Water backup and sump overflow coverage

Erie life insurance

Erie’s life insurance choices include term, whole and universal policies, though none is available in New York. Term life policies are available for terms of 5, 10, 15, 20 and 30 years. Up to $90,000 of coverage is available without a medical exam; you’ll get an answer within 15 minutes when you apply.

More about Erie

Website: Erie’s website is handy. You can get an auto quote, find an agent, pay your bill, access your account, file a claim and find a repair shop.

Erie doesn’t have a smartphone app.

Retirement planning and other insurance: Erie’s retirement planning products include annuities and traditional and Roth individual retirement accounts. (Annuities from Erie aren’t available in New York.) Erie customers can also buy:

  • Umbrella insurance
  • Insurance for classic cars, all-terrain vehicles and recreational vehicles
  • Flood insurance
  • Boat insurance
  • Identity theft recovery and fraud reimbursement

For business owners, Erie’s offerings include:

  • Business liability
  • Business auto
  • Worker’s compensation
  • Group life insurance

Erie Insurance For The Commonwealth Of Kentucky

Living in The Commonwealth of Kentucky and other fine communities across the United States can have hidden risks, such as weather, vehicular accidents and potential health problems. But you can get great deals on coverage like auto insurance, life insurance and homeowners insurance from a variety of insurance companies. So if you are looking for just an insurance quote, you might miss out on a better deal from another insurance company offering similar service and coverage levels as the Insurance Company. But if you want to find great deals on auto insurance, home insurance, life insurance and health insurance, then our site is your best resource for making insurers compete for your business by giving you their best rates on quality insurance.

Research Companies Like Erie Insurance

It does not matter if you are looking for insurance quotes or want estimates from any other insurance companies, you can’t be sure you are getting the best deal without taking the time to look further into the companies offering car insurance, homeowners insurance, life insurance and health insurance. So is you just get an insurance quote and look no more, you could be missing out on the best deal for you. Many great insurance companies specialize in coverage for many people meeting a variety of factors, such as owning multiple vehicles, owning a home and having multiple policies with one insurer, such as home, life and auto coverage. We make those insurance companies compete to earn your hard-earned insurance dollars.

Compare Your Insurance Rates With Us

While we cannot guarantee you will get the best savings with our Erie quote, our agency and its free and 100 percent secure quote request can help you save money if Erie is not the best fit for you. What we can do is ensure you will get several quotes on coverages just as good and possibly better for car insurance, life insurance, health insurance and homeowners insurance. It takes only a few moments providing just the basic information needed to get us to give you an accurate quote on great auto, life, home and health insurance coverage from reputable insurers like State Auto, Progressive and many others licensed to do business in your state. If you want insurance quotes for specific coverages, an insurance representative from our agency would be your best source. But if you are looking for the best deal on auto, home, life and health insurance from the nation’s best insurance companies as well as more local insurers specializing in your area, our request tool is your best bet for saving on your current annual insurance costs.

Right in the heart of Kentucky is a company that has deep roots in American business lore.  What started out as a mission to provide local Pennsylvania residents with low cost auto insurance in 1925 turned into a classic American business success story of epic proportions.   During the roaring 20s, a local Pennsylvania businessman Mr. Hirt started the Erie Ins. company, as the tale goes with less than $1 dollar.  Try starting an Auto Insurance company today with $1 and see how far you go.  He grew the insurance business by listening to customers and always putting the needs of the customers first while offering the lowest possible rates – which at the time were around $30 a year for comprehensive automobile coverage.  The early philosophy imbedded in the company by Mr Hirt was simple yet effective.  It was to give the absolute best possible insurance, with the best service, at the lowest possible cost.  At The Erie, those words are an active way of life to the thousands of employees and agents who represent the company and it is the way we do business today.  For over 50 years and through several presidents, numerous wars and recessions, Mr. Hirt stood by his founding principles.  Through the loyalty of its valued customers, he carefully grew the insurance carrier into one of the nation’s largest as the leader of Erie for over 50 years.

Today, Erie has expanded into not only one of the largest insurance providers in the United States but one of the 500 largest American companies according to Fortune Magazine.  Currently, Erie Auto Insurance is the second largest automobile insurer in Pennsylvania and the 13th largest auto insurance provider in the nation.  The company also has secured insurance licenses in 11 states and broadened it’s coverage to include Homeowners, Business and Life Insurance coverage.  The company sells its line of insurance through highly trained and carefully selected professional Insurance agents.  Each year, the company spends significant time on agent training and instills the core values of the company in each new employee that helped make it grow into the success it is today.

Although the company sells policies almost primarily through its agent force, in recent years It has begun to embrace the internet and slowly shift its marketing activity and resources online to enable quoting online for car insurance. Customers can get a quote and chat with representatives online about any question or concerns they might have.  Also, any current customer can go to the company website and look at up to the minute claim information and view and pay their bill online. But with our company we still feel like talking with one of our agents is your best opportunity to save money and get a better value and coverage because of our many years of expertise and knowledge.

Erie is one of the most financially stable and secure insurance companies in the world.  Year after year the company earns an A+ rating by A.M Best and other reporting firms and believes in prudent, safe financial management.  This stability has allowed it to not only survive in difficult economic times but thrive and gain customers from competitors that have gone under.  Insurance is frankly about peace of mind and Erie’s customers can be assured that the company has the financial strength and wherewithal to pay any claim today and for years to come.

Erie has some of the lowest auto insurance rates around because it actively finds ways to listen to its customers and find ways to see if they qualify for certain savings.

In fact, Erie promotes a safety driving class that can when completed, instantly save drivers about 10% off their auto insurance premium.  In addition, there are discounts for proven safe drivers, low usage drivers, Military discounts and even students.  In the event a policyholder is ever in an accident, he or she can expect the utmost service from Erie professionals and caring representatives that will assist you in repairing or replacing your vehicle and promptly pay your claim.  Another fast and easy way to get a discount on your Erie Car Insurance is to bundle your home and life policies.  This might sound complicated but as your  agent we can show you in just a few minutes how to save you money by bundling and consolidating all of your personal insurance in just one bill is so easy and hassle free.

With millions of current policyholders, Erie Insurance continues to grow while maintaining its founding principles instilled by its founder.  The company has plans to grow by expanding its insurance coverage into new states like it has in Kentucky and by increasing its online marketing activity.  Request a quote with us today and let us help you start comparing rates.  Requesting a quote only takes a few minutes and there is never any obligation to buy from our agency.  We are saving many Kentuckians money and getting them better coverage by quoting them with Erie Insurance. Click the button below and one of our agents will be with contacting you shortly.

Kentucky Car Insurance

In the state of Kentucky your going to need car insurance. At Erie Insurance Agency we will help you find the most suitable insurance for you at the most reasonable price possible. We even have rate lock! That is where your rates are locked in and the price of your car insurance can not go up unless you make changes to the policy. We also have many more options available, all you got to do is give us your contact info and one of agents will be contact with you.

Kentucky Homeowners Insurance

Your home is where you lie your head and you should never have the risk of losing that. Our home insurance rates are comparable to any other in our great state. Let us help you insure your home from fire,burglary, and many other risk that come with owning or renting a home. You should never risk your most important investment in life. Our agents will be able to access and help you find the most valuable policy for you and your family.

Kentucky Life Insurance

We all die eventually and what better way to leave the ones we love than having a policy that secures their financial future and pays off your remaining debts and burdens. None of us want to hurt the ones we love. This is one of the wisest and most beautiful things you can do for your family. People are amazed at the rates we can get them especially when we bundle them with your home and auto! Call us today and let us help you.

Kentucky Business and Commercial Insurance

If you have a small or big business in Kentucky, you have employee’s, customers, your building and many more things that are at risk everyday. Let us help protect you from these exposures with Erie Commercial Insurance! Our agents are professionals and can help protect you from the major risk of running your business. We are also among the most competitive as far as rates are concerned too! Click the button below and request contact. We will get back with you as soon as possible with rates and strategies that will help strengthen your business and insure that you will be in business for a long time to come!

Erie Insurance in Mount Airy

Today, their geographic presence extends to 12 states and the District of Columbia, serving several million insurance customers. From New York to North Carolina and from Wisconsin to Tennessee,they continue to carry out their founding purpose.

Erie Insurance is just one of several companies that Browning Reagle offers coverage. From it’s modest roots in 1925 as a Pennsylvania auto insurer, they’ve grown to become a multi-line insurance company, offering auto, home, business and life insurance through their network of independent insurance Agents.

“To provide our Policyholders with as near perfect protection, as near perfect service as is humanly possible and to do so at the lowest possible cost.”

At Erie Insurance, they adhere to disciplined underwriting, fair pricing and a prudent investment philosophy. These factors have contributed to their ability to earn consistently superior ratings in the insurance industry. The combination of a quality agency force, a commitment to customer service and the financial stability provided by Erie Insurance Group assures you that we’ll be there when you need us most.

J.D. Power has recently ranked Erie Insurance as “Highest in Customer Satisfaction with the Auto Insurance Purchase Experience” in both 2012 & 2013, and was just shy of the award again in 2014. Regardless, Erie Insurance remains among the top ranks in terms of customer satisfaction in the Mid-Atlantic region.

Browning Reagle Insurance has proudly offered coverage by Erie Insurance since our founding in 1957, and earned numerous awards and accolades from Erie along the way.  Among these recognitions, in 1986 & 2011 we were honored with Erie’s most prestigious award, the F.W. Hirt Quality Agent Award, which is given to only one agency each year. Today, Erie Insurance remains our primary insurance provider.

Don’t have Erie Insurance yet? Contact us today for a quote! You can give us a call, click on the link below, or come visit us at our office in Mount Airy. Our agents will be happy to assist you in making sure all of your insurance needs are covered!

Erie Insurance is a great option for people who can get it, as the rates the company offers are among the best available, and its customer service is widely praised. The only drawbacks of Erie’s auto and home insurance to consider are whether the company provides coverage in your area and the company’s relative lack of online tools.

  • Erie Insurance: Our Thoughts
  • Automobile Insurance Coverages and Benefits
  • Homeowners Insurance Coverages and Benefits
  • Erie Insurance Availability
  • Erie Insurance Reviews and Ratings

Erie Insurance: Our Thoughts

Erie Insurance is one of the best-rated insurance companies operating in the U.S., and for good reason. Its rates are uniformly excellent; it offers highly praised customer service, and its coverage options match or exceed what are available from other insurers.

Erie sells insurance exclusively through its network of independent agents. This means that Erie customers will primarily interact with the company through their agents, including when purchasing insurance, making claims and managing their policies.

In our research, we found that Erie’s premiums were exceptional for both auto and home policies. It offered the cheapest rates for every driver and homeowner profile we tested, saving insurance buyers up to 40% off the average rates.

One of the biggest perks to Erie’s auto insurance in particular is its «Rate Lock» offering. If you qualify and add Rate Lock to your policy, Erie will not raise your rates year over year unless you change the drivers or cars on your policy, or you move from your current address. Otherwise, your rate will stay the same indefinitely—even if you get in an accident or make a claim.

Among the only downsides to buying insurance through Erie is that its online tools are not as robust as some of its competitors. For example, there’s no way to get a homeowners insurance quote online—you must request one from an agent. While auto quotes are available over the internet, online customization options are limited, and you must work with an agent to actually purchase insurance.

Additionally, while Erie Insurance customers can pay bills and manage their accounts through Erie’s website, the only type of claim customers can file online is glass repair—all others must go through an agent or the Erie claims hotline. And unlike many competitors, the company does not offer a mobile app.

Finally, Erie only sells insurance in a limited area of 12 states in the mid-Atlantic and midwestern U.S, plus the District of Columbia. If you live outside of this area, you won’t be able to purchase insurance from Erie.

Auto Insurance Bottom Line

Erie’s fantastic auto insurance rates and customer support make it an excellent option for drivers shopping for car insurance. The only possible downsides for potential customers to consider are its relative lack of online options and its limited geographic availability.

Home Insurance Bottom Line

Erie homeowners insurance is priced competitively and has highly regarded customer service. It’s an especially good option for people already considering Erie auto insurance, as the company offers a discount for bundling the two.

Automobile Insurance Coverages and Benefits

Erie provides wide-ranging coverages and benefits to its customers. It offers all the most common car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and medical payments/personal injury protection. In addition, Erie provides several notable coverages that customers might not find elsewhere. Note that some of these coverages are bundled with other more common options, while others must be purchased separately.

  • Accident Forgiveness: Your rates won’t increase in your first at-fault accident after three years of safe driving with Erie. This feature is included with a standard policy.
  • Windshield Repair: If your windshield can be repaired instead of replaced, Erie will waive the deductible to fix it.
  • Personal Property: Erie will cover up to $350 of personal property that is inside an insured vehicle. This feature is included with a standard policy.
  • Pet Injury: Pays for up to $500 of expenses if your dog or cat is injured in a car accident. This coverage is included with a standard policy.
  • Gap Coverage: If your car is a total loss, gap coverage pays the difference between your vehicle’s replacement cost and what you have left on your lease or loan.
  • Roadside Assistance: Erie’s roadside assistance coverage pays for lockouts, towing and other help you might need while driving.
  • Rental Car/Transportation Expenses: This feature covers the cost of a rental car or other transportation expenses while your car is being repaired after an accident. It is included with comprehensive coverage.
  • New/Better Car Replacement: If your car is totaled in an accident, Erie will pay the difference for you to upgrade to a model up to two years newer.

Highlighted Benefit: Rate Lock

One of the most notable optional benefits Erie provides is its «Rate Lock» offering. If you have a safe driving history and add Rate Lock to your policy, Erie will only increase your auto insurance rates if you add or remove a car or driver from your policy, or change your address. Otherwise, your premiums will stay the same year after year, even if you get in an accident or make a claim to your insurance. However, if you get in an accident, your policy increase will catch up with you when you do update your policy.

Auto Insurance Discounts

Beyond its already-affordable rates, Erie Insurance offers several discounts to its customers to lower their costs even more, though the discounts offered are about consistent with its competitors.

Drivers can get discounts for:

  • Buying policies for multiple cars or bundling multiple policy types (such as auto and home)
  • Safe driving
  • Paying for a year’s insurance upfront
  • Using your car little or not at all
  • Owning a car with safety equipment, like airbags
  • Being a young driver who lives with their parents or is a good student

Auto Quote Comparison

To understand how Erie’s car insurance rates compete against other insurers, we collected quotes from four companies for a range of different driving profiles. We found that Erie’s insurance rates were remarkably cheaper than its competitors. Quotes we gathered from Erie Insurance were 24–42% cheaper than the average across all insurers, and Erie provided the cheapest monthly premiums for each of our four driver profiles.

Driver Erie State Farm Allstate GEICO Average
20-Year-Old Male $231 $372 $355 $255 $303
20-Year-Old Female $231 $372 $355 $255 $303
Married Couple, Late 20s, 2 cars, 1 ticket $161 $329 $356 $259 $276
Married Couple, Late 60s, 2 cars $143 $317 $249 $238 $237

Even Erie Insurance’s closest competitor, GEICO, provided quotes that were $24–$98 more expensive each month. Drivers looking to minimize their costs should take a careful look at Erie, as it is a strong candidate for the lowest car insurance rates in areas where it is offered.

Homeowners Insurance Coverages and Benefits

Homeowners insurance from Erie provides all the typical coverages for your home. This includes coverage for your «dwelling,” or the structure of your home, your personal property inside it, liability protection in case someone is injured on your property, and additional living expenses if you’re unable to occupy your home.

Erie’s standard homeowner policy, which they call ErieSecure, offers a few additional benefits that you might not find at other insurers:

  • Guaranteed replacement cost coverage is included in a standard policy for no additional fee
  • Theft coverage includes coverage for mysterious disappearances/lost belongings
  • Pets are covered up to $500
  • Cash and precious metals covered up to $500

In addition, you can supplement your Erie homeowners policy with several custom options, including:

  • Natural disaster coverage
  • Jewelry and valuables coverage
  • Service line and sewer protection
  • Home business and rental income coverage
  • Identity theft protection

Homeowners Insurance Discounts

Erie provides a few opportunities for homeowners to reduce their rates for insurance, though the discounts they offer are similar to those offered at most insurance companies. Customers can save money by buying multiple policies from Erie, as well as for equipping their homes with safety features like sprinklers or burglar alarms. Additionally, it provides a discount for getting an insurance quote more than seven days before your current policy expires.

Homeowners Quote Comparison

We collected homeowners insurance quotes at three different price points to see how Erie’s rates compared to other insurance companies. Our findings showed that Erie home insurance is consistently among the cheapest available to homeowners, with rates 31–40% lower than the average quote we received from other insurers.

Erie State Farm Allstate Amica Average
$125,000 Dwelling Coverage, Frame Structure, Contents Covered 50% with RCV, Built 1987 $418 $924 $853 $557 $688
$150,000 Dwelling Coverage, Brick Veneer Structure, Contents Covered 50% with RCV, Built 1997 $455 $931 $884 $518 $697
$250,000 Dwelling Coverage, Masonry Structure, Contents Covered 70% with RCV, Built 2007 $641 $1032 $1319 $712 $926

Erie Insurance Availability

Erie Insurance’s biggest shortcoming is its limited coverage area. The company only sells insurance in 12 states, plus the District of Columbia. People who live outside of these places will have to look elsewhere for coverage.

  • Illinois
  • Maryland
  • Ohio
  • Virginia
  • Washington, D.C.
  • Indiana
  • New York
  • Pennsylvania
  • West Virginia
  • Kentucky
  • North Carolina
  • Tennessee
  • Wisconsin

Erie Insurance Reviews and Ratings

Erie Auto Insurance consistently receives outstanding reviews for its customer service. The company is widely commended in all aspects of its business, including during the shopping process and while making claims. Erie received first place and a 5/5 score in J.D. Power’s national auto insurance shopping study, and 4/5 for claims satisfaction. And it received substantially fewer customer complaints than you’d expect for a company of its size, as its NAIC complaint ratio rating is just 0.59.

Erie’s home insurance arm is equally well-rated. It received a 4/5 score and placed fourth nationwide in J.D. Power’s overall U.S. home insurance satisfaction study. Erie received positive marks in all aspects of its service, including policy offerings, price and the claims process.

Erie Insurance is also on excellent financial footing. It has the highest possible rating from A.M. Best (A+/Superior), indicating that the company has very strong ability to pay out customer claims; financial stability should not be a concern for potential Erie Insurance customers.

Erie Insurance is celebrating two milestones this morning.  The first is easy to spot.  Take a look at the video.  It shows a steel beam on the top of the property.  It signifies the highest point on the company’s new building.

This morning, company officials and community members gathered for Erie Insurance’s ‘Topping Out’ ceremony.  A crowd watched and cheered as crews placed the highest steel beam on the new office building, but it’s not just the size of the beam that makes it special.  Employees actually signed the beam before the ceremony.

The new facility on East 7th Street is 346,000 square feet.  It will house more than 1200 employees.

And, the celebration falls on the company’s 93rd Anniversary.  Coming up tonight, we’ll tell you more about what Erie Insurance and this new facility means to the community.

Erie Insurance Group is an award-winning company founded in 1925. Today, Erie Insurance Group is a full-service insurance agency that operates in Virginia, Illinois, Maryland, Indiana, New York, North Carolina, Ohio, Pennsylvania, Kentucky, Tennessee, West Virginia, and Wisconsin.

Through its network of locations, Erie Insurance Group has more than 2,100 independent agents that represent the company and offer clients auto, home, business, and life insurance products and solutions. Erie Insurance Group and its associates serve more than 4 million insurance customers across the U.S. and maintain over 5 million commercial, auto, and home insurance policies, as well as 325,000 disability income, annuity, and life policies. Erie Insurance Group has been recognized by J.D. Power and Associates as one of the «Top 40 Companies» in the United States for its outstanding customer service, named a «Customer Service Champion.» The company has also been named by Fortune magazine as one of the «500 Largest Companies» in the country. A financially stable company, Erie Insurance Group has been ranked as the 110th “largest life insurance company based on admitted assets.”

Erie Insurance Group is headquartered in Erie, Pennsylvania, and employs a team of nearly 5,000 professionals across its regional offices and territories. In the past, Erie Insurance Group has offered telecommuting and flexible schedule employment opportunities. Offering an extensive benefits package to eligible team members, the company provides employees with generous paid time off, medical coverage, parental leave, financial literacy programs, and wellness programs. Learn more about Erie Insurance Group’s flexible programs here, or check out FlexJobs’ insurance job category for more great opportunities in the insurance industry!