Deciding to switch insurers was a very huge deal for me. I had been with my insurer, who shall remain nameless, for over 15 years and was happy with the service I received. My agent knew me and also knew my family. But the familiarity was not enough for me to stay for a 16th year when I received my PA car insurance renewal. Every year for five years my Pennsylvania car insurance rates had gone up for 5 percent or more. Every year I received my renewal I called my agent and asked why my rates went up. I had never had an accident, I have never been cited for any moving violations, and I never changed anything that would cause an increase. The only thing my agent could tell me is that the company has initiated rate increases. When I heard this, I knew it was time for a change.
How I Found the Rate Lock Program
I love the Internet. In fact, whenever I need an answer to any question I will go searching for it on the Internet. When I decided it was time to start requesting Pennsylvania car insurance quotes the first thing I did was research rate hikes in the state. I found tons of upset consumers venting about their rates and how much their renewals had gone up in the matter of a year. I knew to avoid these insurance companies when I was ready to request quotes. I then came across an article on the Ratelock Program available through Erie Insurance. When I saw the terms “rate” and “lock” together it grasped my attention right away and I had to learn more.
It is fair to assume that an insurance company will advertise a catchy program just to entice drivers to call. I have to admit, I was skeptical of Erie’s Ratelock Program at first. The idea of one insurance company offering secure rates to clients just did not sound possible after reading so many complaints. I decided it could not hurt to call the agency and see what it is about. I am so happy I decided to make that call.
The William’s Agency Explained Everything to Me in Detail
The William’s Agency with Erie was closest to my house. I decided to give the agency a call and see what they had to say about the Rate Lock program. I was informed that with this program, the company will not increase my rates even if I have an accident or if I am convicted of a moving violation. The idea of knowing exactly how much I would pay each time I got my renewal is what influenced me to do business with the agency. After receiving my quote, I was shocked to find that my rates were even lower than what I currently paid even without the loyalty discount I had been receiving for the last 15 years. Needless to say, I made the switch.
I have been with Erie insurance for over a year now. After being involved in a fender bender 5 months after I made the change I know I made the right decision. They handled my claim quickly, paid for the damages, and did not increase my rates even though I was found at-fault. I love the fact that I am not being punished for the first accident I ever caused and that will keep me loyal to Erie. If you are tired of being taken advantage of do what I did and learn about the Rate Lock program. Some things that sound too good to be true are really true.