Erie Auto Insurance

Dec 04, 2023 By Triston Martin

Compared to the national average, Erie's premiums for auto and homeowner's insurance are up to 35 percent less expensive. The only way for Erie to sell insurance is via its extensive network of independent brokers. Because of this, most of Erie customers' interactions with the firm, including obtaining insurance, filing claims, and monitoring their policies, will take place via agents. All other claims, except those about glass repair, must be made via an agent or the Erie claims hotline.

Erie Insurance provides coverage alternatives comparable to or superior to those made accessible by competing insurers. The "Rate Lock" provision that Erie provides is one of the most significant advantages of Erie's auto insurance in particular.

Suppose you are eligible and add Rate Lock to your policy. In that case, Erie will only increase your rates from one year to the next once there is a change in the number of drivers or automobiles covered by your policy or unless you relocate from your existing residence. Even if you are involved in an accident or file a claim, your premium will not change. Do you know also know erie auto insurance quotes?

Erie Auto Insurance Coverage

When looking for insurance, it is important to have a clear understanding of the coverage you want and what is legally required of you to purchase. To legally operate a motor vehicle in most states, one must first get auto insurance.

Full coverage is not a distinct kind of policy; it refers to a mix of other kinds of coverage, such as liability, collision, and comprehensive insurance. Extras that are included in Erie Insurance's auto insurance coverage but may not be accessible in all states include things like the following:

Accident forgiveness:

After three years of being an Erie client, you won't have to worry about paying an additional fee if you're found responsible for an accident for the first time.

Pet injury coverage:

If your pet was hurt while riding in your vehicle after an accident, you might get compensation of up to $500 for their veterinarian treatment, for a total of $1,000.

Diminishing deductible:

Your deductible will be reduced by $100 each year without you making a claim, up to a maximum of $500.

Erie also provides extra choices for auto insurance, including the following:

Upgrade to a brand-new vehicle:

If you have a car that is less than 24 months old and it is written off, Erie will replace it with a brand new vehicle of the same model year, but you will be responsible for paying the deductible. This is something that can only be done in some states.

Gap insurance:

This coverage will pay off your auto loan if your vehicle is destroyed.

Extensive protection plans and choices for rental cars:

Most auto insurers provide rental car coverage as an optional add-on for an additional fee. This coverage ensures that you will have a means of transportation if your vehicle must be repaired for damage covered by your policy. You won't have to pay anything more for Erie's comprehensive coverage, which provides fundamental protections at no cost. However, you may pay extra for improved rental alternatives, such as a luxury vehicle or SUV, rather than a sedan.

Rideshare coverage:

If you are a driver for a service such as Uber or Lyft, you are covered by the businesses' insurance plans while transporting passengers or while you are on your way to pick them up. However, you are not covered when sitting in a waiting area for trip requests. This coverage gap is taken care of by Erie's ridesharing insurance for drivers.

Erie Home Insurance

In several of its areas, the Guaranteed Replacement Cost policy is made available by Erie Insurance for homeowners. If a claim is filed, homeowners who have purchased replacement cost insurance will be compensated for the whole cost of reconstructing their house, regardless of whether those costs exceed the dwelling limit specified in the policy.

When searching for the finest homeowners insurance, it is important for homeowners, too, in addition, to have an awareness of how the replacement cost is calculated and evaluate the various policy alternatives. Erie Insurance provides its customers four common add-on options and standard policy coverage.


Coverage for your home from Erie comes with some unique extras that you won't find with other insurance companies. It covers birds and fish as part of its home insurance policy for pets, which some of its rivals don't or only do to a limited extent. Erie's standard homeowner's insurance policy provides coverage of up to $500 for animals, birds, and fish.

In 2020, Erie began providing gift card and gift certificate reimbursement coverage as an option for its Secure Home insurance products. Customers might be eligible for reimbursement of up to $250 per gift card bought from companies within 100 miles of their residence, with the total reimbursement at most $500 for the duration of the insurance term. The company needed more than one hundred workers, shut down within a year of obtaining the gift card, and was exempt from the requirement that it hold its commercial insurance coverage with Erie.

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