Erie Car Insurance Review 2021 – Forbes Advisor – Forbes

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

If you buy a car insurance policy from Erie, you’ll also get nice built-in coverage types such as:

  • Accident forgiveness. Your rate won’t increase after your first at-fault accident, as long as you have been an Erie customer for three years.
  • Pet injury coverage. If your pet is hurt in an accident covered by your policy, Erie will reimburse vet costs up to $500 per pet or $1,000 total.
  • Travel expenses. This covers expenses like meals and hotel bills if you can’t drive your car because of a problem covered by your policy.
  • Windshield repair. If your windshield can be repaired rather than replaced, Erie will waive the deductible on your comprehensive coverage.

Erie sells a number of add-on options for auto insurance such as:

  • Erie Auto Plus. This package of benefits includes roadside assistance, transportation expenses for up to 10 days if your car is totaled, a diminishing deductible for every consecutive claims-free year, increased coverage limits, waived deductibles (under certain conditions) and a $10,000 death benefit for you or a relative who dies in a car accident.
  • Erie Rate Lock. Your rates won’t increase unless you make a change to 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 is owed on your car and the actual cash value.
  • New car replacement. If your new car is totaled, this coverage pays the true value to replace your car, not the depreciated value.
  • Rental reimbursement insurance. This pays for rental car and transportation expenses (such as bus fare) if your car is in the shop due to a problem covered by the policy, like a car accident.
  • Rideshare insurance. If you drive for a rideshare service like Uber or Lyft, it’s smart to look into rideshare insurance. It fills coverage gaps between your personal auto policy and the insurance provided by the rideshare company.