Originally Posted By: AirgunSavant
I have had Erie for nearly 40 years
Dirt cheap and max coverage but I guess worthless when you have an accident. Meaning they pay but most likely dump you.
A new 2015 F350 is $604 a year- $50 deductible and max coverage.
I'll hang with them until something happens.
What makes you think Erie will drop you for one accident? After this long with them (I've had then for about 30 years myself), you for sure have first accident forgiveness. At one time, Erie provided me a document outlining what rate increases would apply with accidents, whether it still applies I don't know.. I know Erie has several "tiers" of insurance. Erie Insurance Exchange is reserved for their lowest-risk drivers and has the best rates. Erie Insurance Company is a more expensive rate structure for higher (but not "high") risk drivers. If I remember correctly, the last time CR did car insurance ratings Erie was better than average for not dropping customers. I've had several comprehensive claims with them, never a collision, and had excellent service each time. I do wonder though, based on what I've read about how rates are set, if I could get a better rate with another first-tier company. Once they have you for so long, they tend to figure you don't want to switch and you see rate creep.
All-State and State Farm were both difficult to deal with when I was hit by their customers. I probably would have been better off filing with Erie and then have them go after the other company.