Erie Car Insurance Review 2021 – Forbes Advisor


Erie Insurance was founded in 1925 in Erie, Pennsylvania. It is a regional insurance company that operates in these 12 states and in Washington, DC: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin.

If you purchase an auto insurance policy from Erie, you will also benefit from good types of built-in coverage such as:

  • Forgiveness of accident. Your rate will not increase after your first at-fault accident, as long as you’ve been an Erie customer for three years.
  • Pet Injury Coverage. If your pet is injured in an accident covered by your policy, Erie will reimburse veterinarian fees up to $ 500 per animal or $ 1,000 in total.
  • Travel cost. This covers expenses such as meals and hotel bills if you cannot drive your car due to a problem covered by your policy.
  • Windshield repair. If your windshield can be repaired rather than replaced, Erie will waive the deductible on your full coverage.

Erie sells a number of additional options for auto insurance, such as:

  • Erie Auto Plus. This benefit package includes roadside assistance, transportation costs up to 10 days if your car is totaled, a decreasing deductible for each consecutive loss-free year, increased coverage limits, exempt deductibles (under certain conditions) and a death benefit of $ 10,000 for you or a relative who dies in a car accident.
  • Erie Rate Lock. Your rates won’t increase unless you change your policy, such as adding a car, another driver, or moving to a new city.
  • Gap insurance. If your car is totaled and you have a loan or lease, gap insurance pays the “gap” between what’s owed on your car and the actual cash value.
  • New car replacement. If your new car is totaled, this coverage pays the actual value to replace your car, not the depreciated value.
  • Rent reimbursement insurance. This pays for car rental and transportation costs (such as bus costs) if your car is in the store due to a policy-covered issue, such as a car accident.
  • Carpool insurance. If you’re driving for a rideshare service like Uber or Lyft, it’s a good idea to research rideshare insurance. It bridges the coverage gaps between your personal auto policy and the insurance provided by the rideshare company.

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