My Experience With The Erie Rate Lock Program

May 10, 2012 in erie insurance, erie's ratelock program, Pa Car Insurance, pennsylvania car insurance quotes, Pennsylvania car insurance rates, rate protection, ratelock, Williams Agency

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.

Benefits Of Quick Pennsylvania Car Insurance Quotes

April 29, 2012 in auto insurance quote, bodily injury, bradford pennsylvania, low-priced insurance, pennsylvania, pennsylvania car insurance quotes, property damage, ratelock

If you live in Bradford, Pennsylvania and you recently received your auto insurance renewal, it is time to price shop so you can find the lowest premiums.  Many drivers in Pennsylvania accept the fact that their premiums go up each year because they simply do not want to go through the process of pricing insurance.  If you are tired of accepting premium rate hikes, you can get quick Pennsylvania car insurance quotes from the comforts of your own home.  These quick quotes will include 10 different premium rates with a wide range of coverage options so you do not have to keep submitting your personal information to individual agencies.  Learn how you can benefit and find low-priced insurance with comprehensive coverage. 

 

Submit Your Information Once

 

Have you ever set up an appointment for an auto insurance quote?  When you visit the agency, it can take an hour just to discuss the type of coverage you want.  After all of that time, you may end up receiving a quote that is higher than what you currently pay.  Time is money in today’s business society.  You can submit your personal information and your vehicle information just once and receive all of the quotes you need to make the best decision for your situation. 

 

Choose the Right Amount of Coverage

 

In the state of Pennsylvania, all drivers are required to carry a minimum amount of insurance to pay for damages and injuries when they are negligent.  All drivers must have no less than $15,000 per person and $30,000 per accident of Bodily Injury coverage.  These drivers must also carry $5,000 per accident in Property Damage cover to pay for damages to a third-party vehicle.  When you consider the cost of medical care and vehicle repairs, these limits are not always sufficient.  When you receive quick quotes through one agency, you can compare several different liability limits so you are not stuck with the bare minimums if you are involved in an accident. We even offer the newest “ratelock” option from Erie Insurance. This option allows you the choice of locking in your rate to avoid any surprise rate increases in the future.

 

Choose the Policy and Pay

 

Once you review all of the coverage options that are included in the quick quotes you can decide which policy you can afford.  Simply tell the agency which quote strikes your fancy and then discuss payment arrangements.  After you make your first payment and select your policy effective date you can request an ID card.  Switching from your old insurance to a new insurance provider has never been easier. 

 

Stop paying too much for your auto insurance because you do not have time to schedule appointments at your local Bradford agency.  If you want to switch insurers so you can save money, get 10 quotes at once and you are bound to find a policy that will meet your needs.  Never sacrifice quality coverage for affordability when you are trying to save money.  Choose liability limits that will protect your assets and give you peace of mind while you are on Pennsylvania roadways.  Request your quick quotes today and discuss the options with the agency so you know what you are paying for.

How To Save On Pennsylvania Car Insurance Quotes

July 13, 2011 in pennsylvania car insurance quotes

When evaluating various Pennsylvania car insurance quotes your main focus is most likely on the price. After all, it is only reasonable to want affordable car insurance with a fair amount of coverage. Fortunately, you can do plenty to reduce your premiums without having to compromise on your policy. Simply follow these tips and you will be well on your way to obtaining a comprehensive insurance plan at a reasonable rate.

 

Begin by determining the amount of insurance you need and what you want from your policy. Many people make the costly mistake of overestimating the amount of coverage they require, which only pushes their premiums sky-high. Make certain you provide your broker with the correct information. The last thing you want is to get stuck with a bill your insurer will not cover.
 

 

Unfortunately, there are factors you have no control over, such as your age and gender. However, you can change certain things that would normally impact your premiums negatively. For example, parking your car in a secure facility can drastically decrease your rates. Additionally, you can equip your vehicle with extra security features and keep your driving record as clean as possible. Avoid traffic violations and other penalties, as they can increase the policy price.

 

When buying a new car, think about selecting a cheaper model, or at least a model with air bags, anti-lock brakes, and automatic seatbelts. Also, reduce your mileage and avoid modernizing your car unnecessarily. Installing expensive equipment puts you at greater risk for theft. Keep assessing your risk criteria to ensure you are taking every measure to lower your rates. Consult your broker if you are unsure how you can further reduce your risk.

 

It is a good idea to review your premiums annually, if not quarterly. Your insurance needs might change during the year. As a result, you may be paying for more coverage than you need. Try keeping your claims to a minimum by paying for minor damage or repairs. Claiming from your insurer regularly will not only increase your premiums, but it will affect your ability to obtain affordable insurance from other providers in the future.
 

 

You can also save on your coverage by selecting to pay a higher deductible. Although this can be a risky option, it can work if you are a safe and careful driver. Make sure that you assess your quotes thoroughly. Look out for hidden charges and always ask your broker when you have concerns about a particular detail on the quote. If you are switching providers before the renewal date of your current policy, you should find out if you would incur any penalties.

 

Some companies will take your credit history into consideration when determining your rates. Ask your broker to obtain quotes from insurers who do not consider your credit score a pricing factor. Paying your premiums in advance can also help you save on fees. Vehicle insurance is one of the most competitive products in the market, so finding affordable Pennsylvania car insurance quotes should not be difficult.

Understanding Pennsylvania Car Insurance Quotes

July 4, 2011 in pennsylvania car insurance quotes

When people are looking for Pennsylvania car insurance quotes, they have a number of different options available when it comes to finding the best rate available to them. One of the best ways to begin your search for the best rate is to ask family and friends what company they use and if they can recommend their agent or provider. If you find a happy customer, chances are the insurance provider is one that can be trusted to offer reasonable policy premiums as well as reliable customer service. In fact, it can be very helpful to call and ask some questions just to see how well your queries are responded to by the customer service agents. If you are not treated with respect and consideration before you sign a policy, chances are the service will not improve once you become a customer.

 

While it is not always possible to find the best rates through personal referrals, it is certainly a good place to begin. The next step would be to gather several other quotes from various providers so that you will have many different options from which to choose. There are many online websites that can be used to quickly and easily get policy quotes from multiple providers. By simply filling in one form, you provide your information to various insurance companies who will then provide you with a quote in a matter of hours or days.

 

Once you have gathered together several quotes, you will be able to evaluate them to see which company can offer the best value. Price is certainly an important factor for most people, but it is also important to take a company’s reputation and customer service into consideration as well. If you are left waiting weeks and months to settle on a claim, the small savings you may have received from choosing the cheapest quote will soon be offset by the inconvenience and often additional expense of having to deal with an unresponsive provider.

 

One of the problems many people face is that even when they have done their research, they find that the prices they are being quoted are still too high for their budget. This can be especially true for people who have had accidents, tickets or have other risk factors that tend to cause higher premiums. Speaking with an agent and getting a good understanding of what can be done to lower your rates is one of the best things you can do in a situation like this. Perhaps one of the factors that are causing your rates to be extremely high is that you drive a car that statistics show will be expensive to repair. This can easily be remedied by choosing a vehicle that will result in lower premium costs.

 

New or inexperienced drivers might find that they can get a reduction in their premiums if they take a driver safety course or maintain good grades in school. There are many factors that go into determining a driver’s rates and understanding what you can do to help lower those costs is an important step in finding the cheapest coverage available. When you find a company that you are interested in, ask to speak with an agent and they will be happy to work with you to help you find the most affordable Pennsylvania car insurance quotes for your particular situation.

Pennsylvania Car Insurance Quotes

June 14, 2011 in bodily injury liability, collision coverage, medical payments coverage, pennsylvania car insurance quotes, personal injury protection, property damage liability, uninsured/underinsured motorists

Before you start searching for Pennsylvania car insurance quotes you will need to know a few things about the different types of coverage that are available to you. If you have ever conducted a search for Pennsylvania car insurance quotes you know that there are many different options available to consumers looking for coverage. You may be aware of the two different types of coverage; full coverage and minimum coverage, but you might not know that there are several different options and features that you can have added to your policy to customize it and fit your needs and budget better.

 

Comprehensive Coverage:

Comprehensive coverage is a type of insurance that covers your vehicle in the event of a disaster other than a car accident. This includes flood, fire, earthquake, explosion, vandalism, falling objects, etc. If you think your car is at risk for any of these types of disasters, you should consider adding it to your policy.

 

Uninsured/Underinsured Motorist Coverage:

You may have seen this term before on an insurance website or a Pennsylvania car insurance quotes website. But do you know what it means? It is essentially, coverage for you and your passengers if you were to be injured in an accident by someone who doesn’t have insurance or who is only carrying the state minimum. This will help you and your passengers pay for medical bills and other care if the other driver is incapable of doing so. Don’t put your life and your future in danger by skipping over this coverage, there are many drivers out there without insurance and you need to protect yourself.

 

Personal Injury Protection (PIP):

PIP coverage will pay for bills that aren’t covered by medical payments insurance. This includes lost wages, daycare expenses and other expenses you might incur because of an approved accident claim.

 

Medical Payments Coverage:

When you decide between Pennsylvania car insurance quotes you might consider choosing a plan that allows for medical payments coverage. This will help you pay for hospital bills, doctor visits and any other medical expenses incurred because of an approved accident claim. Even if you have health insurance your health insurance policy might not cover visits due to a car accident so make sure you check with you health insurance provider before you add this option to your car insurance policy.

 

Collision Insurance:

This type of coverage will protect you against damage or loss of a vehicle due to an accident (or collision). Normally this type of claim will be covered whether or not you were at fault for the accident.

 

Bodily Injury Liability:

This coverage is required by the state that you carry it. It will help you pay for damage that you caused to another person or their property when you are the at fault party. It pays for medical bills and rehabilitation expenses.

 

Property Damage Liability:

This coverage will pay for the insured party’s loss of money because of damage they caused to another person or property. This doesn’t include those who were in your vehicle so you will need to have other coverage for that.

 

Now that you know the basics, you should be ready to go out and compare your options with Pennsylvania car insurance quotes right now!