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What to look for when comparing car insurance quotes

These days, it’s almost impossible to turn on the TV, listen to the radio, or search the Internet without seeing an ad for car insurance. And all companies seem to have the same message: “Switch to us and you can save money on your car insurance.”

We all know that price is an important factor when it comes to choosing car insurance. But making price your only consideration can leave you lacking coverage when you need it most.

Here are 7 things to consider when comparing car insurance quotes:

  1. Reporting. When purchasing car insurance, you have a wide range of insurance options to choose from. Basic bodily injury and tort liability is usually required by state law. Certain additional coverages such as collision, comprehensive and uninsured motorist insurance may also be required by state law. If they are not, they are available to provide additional levels of protection. The coverages and the corresponding limit for each policy you choose affect your insurance premium. So before comparing the price of two insurance quotes, always make sure that the coverage and limits are the same.
  2. Alternative. When it comes to insurance coverage, not all policies are created equal. A little research on an insurance company can reveal benefits you may not find elsewhere. For example, an auto insurance policy from Erie Insurance includes additional pet, personal effects and locksmith coverage at no extra cost to you. And coverage options like Roadside Service1
    can be added to your policy for a few extra dollars each month.
  1. Deductibles. Your deductible is the amount you choose to pay out of pocket to fix your car before your insurance coverage starts paying. In general, the higher your deductible, the lower your premium. When choosing a deductible, consider your budget—then get multiple quotes to see if the savings are worth the risk. Consider options like our ERIE Auto Plus® endorsement, which offers a reduced deductible2 (reduce your deductible by $100 for each claim-free year).
  2. Reputation. In the event of an accident, you want to be sure that your case will be handled quickly, fairly and efficiently. So it pays to choose an insurance company with a reputation for excellent customer service. We were named to Forbes’ Best Insurance Companies list, ranking in the top 2% of insurance companies. And while we’re not doing it for the awards, we’re honored by the recognition.
  3. Service. Insurance can be complicated. That’s why every ERIE policy comes with your very own local, independent insurance agent. With an agent, you get the personal attention you deserve from a professional committed to understanding your unique insurance needs. And because our agents are independent, they will only recommend an ERIE policy if it’s right for you.
  4. Discounts. Researching available discounts can unlock extra savings from your car insurance quote. With ERIE a typical multi-policy discount3 is up to 20% (depending on your state). And we also offer discounts for things like safe driving, car safety equipment, multiple cars, young drivers and making annual payments.
  5. Award. After considering the factors above, it’s time to compare the price of your coverage. By getting multiple quotes, you can rest easy knowing that the value you are getting from an insurer is worth the insurance premiums. ERIE can help you avoid auto insurance rate hikes with our ERIE Rate Lock® feature.4 Even if you have a claim, your rates won’t change until you make certain changes to your car insurance, such as adding or removing a vehicle or driver from your policy or changing where your vehicle is garaged.

Excesses, coverage limits, endorsements. There are so many choices. But you don’t need to know everything about car insurance – that’s our job. At Erie Insurance, our local, experienced agents can help you get the right coverage for your car and your budget. And if something bad ever happens, we’ll make sure you’re on your way back, right away. Contact us today to experience the difference for yourself.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home office: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to do business in all states. See the company’s licensing and business information.

The insurance products and rates, if applicable, described in this blog are effective as of July 2022 and are subject to change at any time.

Insurance products are subject to conditions and exclusions not described in this blog. The policy contains the specific details of coverage, terms, conditions and exclusions.

The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long-term care products are not available in the District of Columbia and New York.

Eligibility will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer any questions you may have before you buy.

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