The Proof’s in the Pudding. Well, in this case, the policy..

The idiom is usually stated the proof is in the pudding and means that the end result is the mark of the success or failure of one’s efforts or planning. When it comes to auto insurance, Erie Insurance really listens to their customers wants and needs.

All coverage enhancements you see below is a prime example of Erie’s commitment to customer service. We believe securing your auto insurance with Erie Insurance provides you not only the best coverage in the industry, but the best claims experience anyone could want with their insurance company.

If you currently have Erie Insurance with our agency, take another look at the superior coverages available to you. This might be a great opportunity to call us and make changes to your policy.

If you don’t have Erie Insurance with our agency, give us a call to see if you qualify to move your policy over.

Call or email us.
(804) 675-4300
service@perryfamilyinsurance.com

PRICING & DED. OPTIONS TYPICAL ERIE AUTO POLICY TYPICAL COMPETITOR POLICY
ERIE Rate Lock® Yes, with our ERIE Rate Lock option.
Lock in your rate guaranteed for 3 years.
No.
First Accident Forgiveness 2 Yes, no surcharge the first time you’re at fault in an accident after you have been a customer for three years. Costs extra.
Diminishing Deductible Yes, reduced by $100 for each consecutive claims-free policy year, up to a maximum of $500. 3 Sometimes available and costs extra.
 Bundled Coverages Yes, you can expand your auto coverage for just pennies a day. (Great buy, especially if you own several cars.) Stand-alone feature with per vehicle fees.
COVERAGE OPTIONS
Transportation Expense Yes, with comprehensive coverage. Additional days of coverage are available after settlement. Add it to collision coverage and pick from five classes of rental car options. 4 A daily dollar limit and the payment ends upon the settlement.
Road Service Yes, reasonable towing and required labor costs at the site where your car breaks down. 5 Typically, only up to a certain dollar amount.
New Car Protection Yes, If your new vehicle (up to 24 months old) is a total loss after an accident, it will be replaced with a new vehicle of the latest model year. 6 Limited. It may only be available for the first year after the vehicle is purchased. With ERIE, it’s up to two years.
Better Car Protection Yes. If your car (24 months+) is totaled, it can cover the balance of an auto loan (but not carry-over balances), or it can replace an older car with a vehicle two years newer. 6 Limited. The coverage replaces your older car with a vehicle just one model year newer. ERIE replaces with a model two years newer.
VEHICLE OPTIONS
Additional/Replacement Autos or Trailers Yes, automatic coverage to the end of policy period on the owned vehicles that we insure. Usually limited to only 30 days.
Miscellaneous Vehicles Yes. When you insure a miscellaneous vehicle like a motorcycle with us and you buy a second one (has to be a similar type), automatic coverage applies to the end of the policy period. Usually limited to only 30 days.
Coverage for Non-owned Autos Yes, covers cars, moving vans (used for personal use), trailers or temporary substitutes. Usually doesn’t include moving vans.
1This information is a summary and does not include all coverages and benefits that are available or apply to all states. Coverages, benefits, limits and deductibles may vary. Talk to an ERIE agent for state-specific policy information.
2Available after the policyholder has been insured with ERIE for three years. Available immediately in North Carolina and with the ERIE Rate Protect policy in New York.
3Coverage must be purchased to be added to an auto policy. The deductible is reduced by $100 for each claims-free year up to a maximum reduction of $500. In New York, comprehensive deductible cannot be reduced to less than $50 and collision deductible cannot be reduced to less than $100.Diminishing deductible is not available in North Carolina.
4The five classes of rental car options are not available in Virginia and North Carolina. With transportation expenses, it is included in Virginia with comprehensive coverage and is optional with collision. In North Carolina, restrictions apply. Transportation expenses are only covered with vehicle theft claims. The limit is $15 per day and up to $450 per loss.
5Limitations apply in North Carolina and Virginia.
6Not available in North Carolina.

Whose line is it anyways?

Introducing Service Line Coverage

Why pay for multiple service contracts offered by multiple utility companies when you can get coverage for underground service lines right in your homeowners insurance?

 
Breaks in a line or accidents during digging can happen. When you purchase the Plus or Select bundle with your ErieSecure® policy, you’ll have coverage and won’t be stuck footing the bill for damage to your underground lines*.

 
The coverage is for damage to lines like cable, internet and electrical wiring, and damaged natural gas, propane and sewer pipes.

 
Rest easy knowing your home is covered all
the way to the curb.
Add a bundle today. Your ERIE agent can help.

Lock in your auto insurance rate.

Who DOESN’T want to keep the same auto insurance rate year after year, even if you have a claim? Learn more about the ERIE Rate Lock® feature from Erie Insurance. Rates subject to change if you add or remove a vehicle, add or remove a driver or change your address. ERIE Rate Lock® does not guarantee continued insurance coverage. Not available in all states. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

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6 Reasons That Shouldn’t Hold You Back From Buying Life Insurance

By: Amanda Prischak | November 4, 2016

What are the real reasons holding you back from getting life insurance? Are you like the majority of Americans who don’t have it, but say that they know they need it?

A study by the financial and insurance organization LIMRA shows that 6 in 10 Americans have life insurance—yet 30 percent of them feel they need more.

Does this ring true for you? If so, maybe it’s because of one of these reasons. *

1. It’s too expensive. Cost is the number one reason people don’t have life insurance. Yet another LIMRA study shows that 80 percent of consumers think term life insurance costs much more than it actually does. Life insurance is probably more affordable than you think—and there are lots of ways to bring the price into your comfort zone.

2. I have a health condition. The good news is that having a health condition doesn’t automatically disqualify you from getting life insurance. If you overcame a serious condition in the past or if you are managing a condition with the help of a medical professional, you can still be covered.

3. I don’t have any kids. There are many reasons people with no children still need life insurance. Just a few include providing for a financially dependent spouse or another family member, having the money to pay for a funeral or being able to pay off a loan that has a cosigner. Life insurance can also help you leave a gift to a religious, educational or charitable organization near and dear to your heart.

4. I don’t work outside of the home. If you stay home to care for kids or other family members, it may take hiring someone to replace all that you do. And that could be pricey, so definitely consider buying life insurance as a way to cover those additional expenses.

 5. I’m not sure what I need. Most people don’t—but your Erie Insurance agent is there to help you. Erie Family Life offers options like term insurance that’s designed to last for a specific period of time and permanent plans designed to last a lifetime. Your agent can recommend one that works with your life and budget.

6. I don’t have the time. Life is busy, which is why Erie Family Life offers e-signature on life insurance policies to make the process easy and convenient. You can also consider ERIE LifeSense®, which can provide up to $90,000 worth of coverage in about 15 minutes. There are no doctor’s visits or
complicated forms—just a simple application with only a few medical questions.

Life insurance probably isn’t something you want to talk about, but it really is too important to put off. Your Erie Insurance agent can make the conversation about protecting the people that matter most as easy as possible. When it comes to life insurance, the only wrong choice is doing nothing at all.

 

 

 

 

*Life insurance and annuity products are not available in New York.- See more at: https://www.erieinsurance.com/blog/2016/hold-you-back#sthash.OXvKkVEJ.dpuf

Life Insurance Can Be a Gift

Life insurance is usually talked about as a way to protect your family financially in case of the worst. But what if no one is financially dependent on you—the kids are grown, and the rest of your family takes care of their own finances? Then, life insurance can be a way to show how much you care.
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Grandparents can buy a policy for their grandchildren to use for their college funds. Parents can buy one to give their children greater financial independence, allowing them to pay off cars, clear mortgages or wipe out student loans. Or to give them a chance to start their own business, take a cruise around the world, or otherwise follow their dreams.
Life insurance doesn’t just have to be a crutch to help your family get by after you’re gone: it can be a true gift to your heirs. Imagine: if you could leave all those you love with financial freedom, wouldn’t you?
Give us a call today and we’ll talk about how you can use life insurance policies as one last, amazing gift to those you love.