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JD Power 2019

ERIE Earns Top Ranking in J.D. Power Shopping Study

The results are in: Thousands of people shared their experiences about shopping for auto insurance in a national study, and Erie Insurance was awarded “Highest Satisfaction with the Auto Insurance Purchase Experience.”

Erie Insurance earned the highest score among auto insurers in providing a satisfying purchase experience in 2019, with a score of 917 on a 1,000-point scale. The industry average was 852.

ERIE has ranked highest in the study consecutively since 2013.

JD Power 2019

“This recognition speaks directly to the importance of an insurance agent in the shopping experience. The guidance, insight and personal attention ERIE agents give to their customers is not something that can be replicated online,” said Tim NeCastro, president and CEO of Erie Insurance. “To receive this distinction for the seventh consecutive year is a tremendous honor.”

The U.S. Insurance Shopping Study measures auto insurance shopping, purchase behavior and purchase experience satisfaction among customers who recently purchased insurance. Satisfaction is measured on three factors (in order of importance):

THE STUDY METHODOLOGY

The J.D. Power 2019 U.S. Insurance Shopping Study SM provides an in-depth look at the auto insurance policy selection process. It explores why customers shop, their attitudes toward and perceptions of auto insurance brands and how they make their final purchase decision.

The study is based on responses from more than 14,400 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the past nine months and includes more than 38,800 unique customer evaluations of insurers. The study was fielded in April, July and October 2018 and January 2019.

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Lost Insurance Policy

Lost Life Insurance Policy

It’s estimated that $1 billion in benefits from forgotten and lost life insurance policies are sitting unclaimed in America, says Consumer Reports. Could you be among the estimated 1 in 600 people who may be the beneficiary of an unclaimed life insurance policy?

If so, there are ways to find out. Here are some tips to help.

5 WAYS TO LOCATE A LOST LIFE INSURANCE POLICY

  • Comb the house. Sometimes the thing we’re missing is right under our nose. First, go through any files or safe deposit boxes where the lost life insurance policy may be before launching a full-fledged investigation.
  • Think back to the beginning. Which insurance agent may have sold it? Which insurance company may have issued it? What was the name and Social Security number of the person who bought it? Was the policy a term or permanent life policy? Any information you can remember will help the insurance agent and/or customer representative you contact.

    Related: What’s the Difference Between Term and Whole Life Insurance?

    You might also have to contact any attorneys, financial advisers, accountants or other advisers who might have had something to do with issuing the policy.

    Also consider contacting the deceased individual’s former employer. Many times the policies are group policies that were originally taken out through an employer.

    If the policyholder passed away relatively recently and you have the authority or permission, take a look at the deceased person’s bank statements for premium payments or policy-related material.

  • Contact your state’s insurance department. Generally, an insurance company that is unable to locate a policy’s beneficiary is required to turn over the benefits to the state’s unclaimed property office after a certain number of years have passed. Think about the state in which the policy could have been issued. Then visit the National Association of Insurance Commissioners website to learn how to contact your state insurance department.
  • Look it up online. The National Association of Insurance Commissioners (NAIC) has a free website that makes it easy to search a number of life insurance and annuity companies at once. You can run a search if you’re the executor or legal representative of a deceased person, or if you have reason to believe you’re a beneficiary.

    Submit a request or read the FAQ at the Life Insurance Policy Locator Service website. You can also check in with the National Association of Unclaimed Property Administrators, which operates the website MissingMoney.com.

  • Watch out for scammers. There are life insurance scams out there whereby an “insurer” promises to reunite you with unclaimed funds. Don’t immediately respond to someone claiming to be the representative of an insurance company. Instead, call that insurance company’s claims number to see if the offer is legit.

HOW TO PREVENT A LOST LIFE INSURANCE POLICY IN THE FIRST PLACE

Life insurance is a powerful agent of relief. Taking care of the future needs of your loved ones makes you feel capable, purposeful and satisfied.

Spare yourself and your beneficiaries from the hassle caused by a lost life insurance policy by following this advice:

  • Clearly name your beneficiaries on the policy.
  • Let your beneficiaries know about the policy. Also tell them the name of the insurance agent and company that issued the policy.
  • Keep your insurance documents in a safe, logical place like a fireproof safe or bank safe. Not sure what kind of safe to buy? Read our guide to safe storage of important documents.

When you count on ERIE to help plan for the future, we’ll help you consider the variables, lay out the options and make the process comfortable and efficient.

Learn more about our flexible and affordable life insurance* options, or find a local ERIE agent to talk it through in person.

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Winter Car

How NOT to Drive in Winter Weather

Winter driving has its challenges. But throw an inexperienced — or inconsiderate — driver into the mix, and your daily commute can get much more difficult.

It’s always aggravating when other drivers put you at risk. Getting stuck behind a driver who is spinning their tires or not paying attention isn’t just annoying… it’s dangerous.

Related: The 7 Biggest Winter Driving Myths, Debunked

Winter driving calls for quick decision making, patience and a little bit of know-how. Below you’ll find ways to spot a rookie winter driver — and how to avoid looking like one yourself:

6 COMMON MISTAKES OF WINTER DRIVERS

  1. Tailgating: Usually, drivers tailgate because they want the car in front of them to go faster. This is never OK, especially in the winter months. It takes longer to come to a stop in the winter, so you should always put more distance between you and the car ahead. Impatience on the road rarely pays off – tailgating just puts you and others at risk.
  2. Speeding: Speeding can get you into trouble quickly. Make sure you’re never driving faster than what is safe for the conditions. In snowy or icy conditions, that probably means driving below the speed limit. The faster you’re going, the more likely you are to lose control or slide into another car. Expect traffic to move a little slower in the winter and allow extra time to get to your destination.
  3. Getting stuck: Driving through deep snow may sound like fun, but chances are it will leave your tires spinning. For your own safety, know when to stay off the road altogether and drive carefully to avoid losing traction in the first place. After all, getting stuck is easy – getting out isn’t.
  4. Ice on the windshield: If your car has snow or ice on the windshield, it can be tempting to save time by letting your wipers or defroster remove it as you drive. But driving without full visibility is like driving blindfolded. Use a snow brush or ice scraper to clear your windshield entirely every time you get behind the wheel.  (And don’t just clear a little “window” you can see through!)
  5. Snow on the roof: If you’ve ever driven behind someone with snow on their roof, you know it can be an accident waiting to happen. If your car is covered in snow, take the time to clear your roof before you tackle the windows. You’ll keep snow from falling in your field of vision and from hitting the drivers behind you.
  6. Driving with high beams on: This can be frustrating in any condition, but some people think that high beams will increase your vision during whiteouts or heavy snowfall. In fact, fog lights and low beams will do much better. Learn what to do if you get stuck driving in a whiteout.

Just like other people’s driving, winter weather can be unpredictable. But even the safest, most experienced drivers can get into an accident. That’s why it’s important to have the right insurance to protect you and your vehicle. Learn about the extras available with every Erie Insurance auto policy.

WANT MORE TIPS FOR WINTER DRIVING?

Check out these related articles:

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JD Powers Erie Insurance

ERIE Earns Top Ranking in J.D. Power Study

Thousands of people shared their experiences about shopping for auto insurance in a national study and Erie Insurance was awarded “Highest Satisfaction with the Auto Insurers Shopping Experience.”

The J.D. Power 2018 U.S. Insurance Shopping Study SM provides an in-depth look at the auto insurance policy selection process. It explores why customers shop, their attitudes toward and perceptions of auto insurance brands and how they make their final purchase decision.

Related: Is ERIE auto insurance right for you? Find out.

For ERIE, it’s the sixth year in a row in the study’s top spot. Satisfaction is measured on three factors (in order of importance):

  • Price: How customers rate their new auto insurance provider on the price of the policy given the level of coverage.
  • Distribution channel: How customers rate their experience interacting with their new auto provider’s agent, call center reps and website.

Related: 6 Reasons You’ll Love Having an Independent Insurance Agent

  • Policy offerings: How customers rate the variety of coverage options, the degree to which their needs are met and the ease of obtaining a new policy.

The study methodology
The study is based on responses from more than 15,000 shoppers who requested an auto insurance quote from at least one of the top 25 insurers that have the largest market share in the United States. Customers were surveyed in April, July and October 2017 and January 2018.

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Hurricane-Insurance

Hurricane Florence – Be Prepared

Hurricane Florence has the potential to bring heavy rains and high winds to coastal areas starting Thursday evening, with the chance of inland flooding for North Carolina and Virginia. Both states have declared a state of emergency.

If you experience a loss covered by your policy and need to file a claim, Erie Insurance and your Agent are here to help.

We encourage you to stay off the roads during heavy rains and follow these tips to reduce damage and stay safe during the storm:

• Bring in garbage cans, lawn furniture, bikes, toys, hanging plants and lawn decorations. If possible, remove the swings on your child’s swing set to prevent unnecessary damage.
• Move furnishings and valuables to the highest point in your house.
• Keep a supply of flashlights and extra batteries handy in case of loss of power. Avoid open flames, such as candles and kerosene lamps, as a source of light.
• If you lose power, turn off all major appliances to avoid a power surge when the power is turned back on.
• Do not drive or walk through standing water. Water can be deeper than it appears, and two feet of water can sweep away most cars and six inches of moving water can sweep you away when walking.

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Find more helpful tips on erieinsurance.com:

What to do Before, During and After the Storm

Preparing for a Flood and Lessening Water Damage

How Named Storms Affect Your Insurance Coverage

Video: What We Learned from Hurricane Katrina and Affected Cars

*Note: New insurance and certain changes to existing insurance may not be available when there is a known threat of severe weather or in the immediate aftermath of a severe weather event. Talk to your Agent.
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Should you experience damage from a storm that is covered by your insurance policy and wish to file a claim, please contact your ERIE Agent. For claims service during evenings and weekends, call (800) 367-3743.

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