Is Erie Insurance Worth It? Everything You Need to Know

Have you ever been in a car accident? If so, you know that working with your auto insurance company can be a blessing or a nightmare depending on their services.

Is Erie Insurance Worth It?

if you have seen those memorable Erie Insurance commercials and wondered—is Erie Insurance worth it? As the jingle goes, “…you can count on Erie for sure.” But with so many options for insurance, it’s normal to have questions. I recently looked into Erie Insurance to find out if it lives up to the hype. In this post is what I discovered.

Is Erie Auto Insurance Good?

Erie Insurance shines when it comes to auto coverage, especially for some specific groups.

Pros

  • Competitive rates for seniors
  • High marks for customer service
  • Easy claims process in many cases
  • Mobile app for managing your policy

Policyholders frequently praise Erie for reliable service and friendly adjusters who make the claims process smooth. The large network of local Erie agents also wins over customers by making insurance personalized.

However, Erie’s value depends somewhat on your situation. For young drivers, rates may run higher than competitors.

Cons

  • Mixed reviews from some age groups
  • Fewer discounts than some national brands

On the whole, Erie Auto Insurance earns an A rating for customer satisfaction nationally. For seniors and customers who prioritize service, it’s competitive. Your rate will ultimately depend most on location, age, driving history, and other standard factors.

What Does Erie Car Insurance Cost Per Month?

So, what can you expect to pay for Erie insurance? Here are the averages:

  • Full coverage car insurance: $155 per month
  • Minimum coverage car insurance: $67 per month
  • Average home insurance: $100 per month

Rates for Erie’s premium auto insurance tend to run middle-of-the-pack nationally. And remember, your price depends on risk factors like:

  • Driving history
  • Type of car
  • Age and gender
  • Credit score
  • Location/neighborhood

For the most accurate Erie Insurance quote, talk to a local agent. They can tailor options to fit your needs and budget—like adjusting deductibles. Erie also offers plenty of discounts to cut costs, including:

  • Multi-policy
  • Multi-car
  • Safety features
  • Student away at school
  • Young adult savings

Knowing these levers, an agent can find you savings if rates seem high at first glance.

Who is Erie Insurance?

To understand if it’s the right provider for you, it helps to know Erie’s roots.

  • Founded in 1925 in Erie, PA
  • 5,900+ employees with $12 billion in assets
  • Regional provider focused in over 10 U.S. states
  • Rated A+ “Superior” by A.M. Best

As an established regional carrier, Erie Insurance may not have the brand recognition nationwide like GEICO or Progressive. But they have the financial strength and experience to deliver on promises.

Customers also appreciate the local service, especially in crises. The recent hurricanes and storms demonstrated the responsive claims service Erie prides itself on.

Managing Your Erie Insurance Policy

Like most insurers today, Erie offers online account access to manage payments, file claims, and more.

To login:

  1. Go to www.erieinsurance.com
  2. Click “Log In”
  3. Enter username and password

Once logged in, you can pay your bill, adjust policy details, or call/email for support easily. Erie also has a well-reviewed mobile app to handle policy issues on the go.

How Does Erie Compare to Progressive?

Since they both made our shortlist, I compared Erie and Progressive closely.

Similarities:

  • Both score well in national customer satisfaction surveys
  • Feature-rich apps and online experiences
  • Available across the U.S. in most states

Differences:

  • Erie specializes in auto, home & life insurance
  • Progressive underwrites more insurance types
  • Erie built on regional service
  • Progressive on data/tech

In terms of service, Erie narrowly edges Progressive in recent reviews. And surveyed customers rated Erie significantly better for claims handling. However, Progressive does use volume to offer varying rates.

For basic coverage, they may run cheaper depending on risk factors. But customer experience favors Erie when you file a claim. So while Progressive is fine for lower-risk individuals, Erie delivers helpful service you notice at crunch time.

Reviews of Erie Auto Insurance

One concern about shopping for insurance is getting candid feedback. I checked independent review sites to see what actual customers say about Erie:

  • A+ rating with BBB
  • 4/5 stars on Google (1,200+ reviews)
  • Ratings averaged 4/5 stars across 500+ Trustpilot reviews

The most common positive themes: are helpful agents and claims service that goes smoothly. That local agent assistance makes a difference for many.

However, some customers report issues with specific adjusters being hard to work with. Most frustrations are related to delays in handling claims or reaching adjusters after accidents.

But overwhelmingly, Erie home and auto insurance buyers describe the process as painless and thorough. Compared to competitors, people felt informed by agents and cared for post-sale.

For an insurance company to average 5 stars with over a thousand reviews shows Erie keeps promises on service. Of course, your mileage may vary depending on location and agent.

Is Erie Insurance Worth It?

No one insurance provider is the “best” unambiguously. Your rates and customer service depend so much on risk factors and region. But in my experience, Erie Insurance delivers value for many drivers.

Customers consistently praise Erie for attentive agents and smooth claims. They lack some discounts of mega-insurers but win on supportive service. With history and financial strength behind them, Erie keeps promises to pay out when trouble strikes.

For a painless insurance experience with less red tape, Erie Insurance stands out. I’d recommend getting an Erie quote, especially if you want an advocate through claims. Disasters happen but having Erie in your corner makes the process easier.

So don’t just hum that catchy jingle—ask an Erie agent directly if they live up to promises made. For auto insurance that goes smoothly from quote through claim, Erie Insurance shouldn’t disappoint.

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Conclusion

When choosing insurance, it’s all about value for your money. For competitive rates plus outstanding service, Erie Insurance is a leading option to protect what matters most.

Erie delivers peace of mind in good times and bad. For auto, home, or business, this regional company can skillfully safeguard the big moments in life.

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