Erie vs Root Car Insurance for 2024
Deciding Between Erie and Root Car Insurance: A Comprehensive Comparison of Coverage, Rates, and Customer Experience
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Car insurance is a necessary expense for anyone who owns or operates a vehicle.
While it’s easy to view car insurance as just another monthly bill, it’s important to remember that it’s also an investment in your safety and financial well-being.
In this article, we’ll be comparing two popular car insurance companies: Erie car insurance and Root car insurance.
- Erie offers a wide range of insurance products: Erie is a multi-line insurance company that offers a variety of insurance products, including home, auto, and life insurance.
- Root offers usage-based insurance: Root is a newer car insurance company that uses telematics technology to offer usage-based insurance policies.
- Both companies offer mobile apps for customers: In today’s digital age, convenience is key.
Choosing the right car insurance company can make all the difference when it comes to protecting yourself on the road and ensuring that you have the support you need in case of an accident.
History and Mission: Erie vs Root
Erie Insurance: Erie Insurance was founded in 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania. The company started out as a small auto insurance company, but has since expanded to offer a variety of insurance products in 12 states and the District of Columbia. Erie’s mission is to provide “quality insurance products and services to our customers at a competitive price, while operating in an ethical and financially sound manner.”
Root Insurance: Root Insurance was founded in 2015 by Alex Timm and Dan Manges. The company is headquartered in Columbus, Ohio, and offers car insurance policies in 30 states. Root’s mission is to “make car insurance easy, fair, and affordable.”
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Products and Services
Erie Insurance is known for offering a wide range of insurance products, including car, home, life, and business insurance. When it comes to car insurance, Erie offers the following types of coverage:
- Liability coverage: This is required by law in most states and covers damages or injuries you cause to others in an accident.
- Collision coverage: This covers damages to your vehicle in the event of a collision with another vehicle or object.
- Comprehensive coverage: This covers damages to your vehicle caused by something other than a collision, such as theft, vandalism, or weather-related events.
- Uninsured/underinsured motorist coverage: This covers you in the event that you are in an accident with someone who doesn’t have enough insurance to cover the damages.
Root car insurance offers a unique approach to car insurance by using data-driven technology to determine your rates. Here are the coverage options Root offers:
- Liability coverage: This covers damages or injuries you cause to others in an accident.
- Collision coverage: This covers damages to your vehicle in the event of a collision with another vehicle or object.
- Comprehensive coverage: This covers damages to your vehicle caused by something other than a collision, such as theft, vandalism, or weather-related events.
Overall, Erie offers a more traditional approach to car insurance with a wider range of coverage options, while Root offers a more data-driven approach with a more limited range of coverage options. Ultimately, the right choice for you will depend on your individual needs and preferences.
Cost of Coverage
When it comes to comparing car insurance rates, there are a lot of factors that come into play. As such, it’s difficult to give a definitive answer to how much you can expect to pay for car insurance from Erie or Root, since the rates you’re quoted will depend on a variety of factors, including your driving history, the type of car you drive, and where you live.
It’s worth noting that while price is an important factor to consider when choosing a car insurance provider, it shouldn’t be the only factor. Make sure to consider factors like coverage options, customer service, and the company’s reputation when making your decision.
Discounts Available
Erie offers a variety of discounts to help customers save money on their car insurance premiums. Some of the most common discounts include:
- Safe driving discounts: Customers who maintain a safe driving record can receive discounts on their premiums.
- Multi-policy discounts: Customers who bundle their car insurance with other policies, such as home or life insurance, can receive a discount.
- Safety equipment discounts: Customers who have certain safety features on their vehicle, such as anti-lock brakes or airbags, can receive a discount.
- Young driver discounts: Customers who have young drivers on their policy, such as students, can receive a discount.
- Payment discounts: Customers who set up automatic payments or pay their premium in full can receive a discount.
Root car insurance offers a unique approach to discounts, as their policies are personalized based on individual driving behavior.
- Multi-car discounts: Customers who have multiple vehicles on their policy can receive a discount.
- Homeowner discounts: Customers who own a home can receive a discount on their car insurance.
- Good student discounts: Customers who maintain a certain grade point average can receive a discount.
- Safety feature discounts: Customers who have certain safety features on their vehicle, such as anti-lock brakes or airbags, can receive a discount.
It’s important to note that the discounts offered by both Erie and Root can vary by state, so it’s best to check with the company directly to see what discounts are available in your area.
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Case Studies: Comparing Erie vs. Root Car Insurance
Case Study 1: John’s Comprehensive Coverage Dilemma
John, a resident of Ohio, wanted to find comprehensive coverage for his new car. He compared Erie and Root car insurance policies to evaluate their offerings, rates, and customer experience. This case study explores John’s decision-making process and the factors that influenced his choice.
Case Study 2: Sarah’s Personalized Rates with Root
Sarah, a young driver from Pennsylvania, was intrigued by Root’s data-driven approach to car insurance rates. She compared quotes from Erie and Root to assess the affordability and benefits of each company. This case study delves into Sarah’s experience and highlights the advantages and drawbacks of Root’s personalized rates.
Erie vs. Root: A Comprehensive Comparison of Claims Processes
Ease of Filing a Claim
Both Erie and Root insurance companies offer easy and convenient options for filing a claim. Customers can choose to file a claim online through the company’s website or mobile app, or over the phone through their customer service helplines. The availability of these multiple channels ensures flexibility and convenience for policyholders.
Average Claim Processing Time
The average claim processing time is a crucial factor when evaluating an insurance company. While specific processing times may vary depending on the complexity of the claim and other factors, both Erie and Root strive to process claims efficiently and in a timely manner. Customers can generally expect a streamlined claims process to expedite their insurance claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts provides valuable insights into an insurance company’s effectiveness in handling claims. Erie and Root have received varying feedback from their customers. Erie is praised for its friendly customer service and the ease of claim filing, contributing to a positive overall experience.
On the other hand, Root’s feedback indicates some concerns regarding the claims process, particularly in terms of response times and claim approvals.
Erie vs. Root: Unveiling Digital and Technological Features for Informed Insurance Choices
Mobile App Features and Functionality
Both Erie and Root offer mobile applications that provide a range of features and functionalities to enhance the customer experience. The mobile apps allow policyholders to access their insurance information, view policy details, pay premiums, file claims, and track the progress of their claims.
Additionally, the apps may include features like accident reporting, roadside assistance requests, and digital ID cards, adding to the overall convenience for users.
Online Account Management Capabilities
Policyholders of Erie and Root can manage their insurance accounts online through the respective company websites or mobile apps. Online account management enables users to review and update their policies, view billing and payment information, and access important documents and policy forms. This digital accessibility simplifies the insurance management process and provides customers with greater control over their policies.
Digital Tools and Resources
Both Erie and Root offer a range of digital tools and resources to assist their customers. These may include online policy calculators, coverage guides, educational articles, and frequently asked questions (FAQs) sections. Such resources aim to educate customers about insurance options, help them make informed decisions, and provide assistance in understanding policy terms and conditions.
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Customer Feedback
Erie Insurance has a generally positive reputation with its customers. Many customers appreciate the company’s friendly customer service and the ease of filing claims. Erie is also known for its affordable prices and comprehensive coverage. Customers report feeling that they are getting a good value for their money with Erie. Some customers, however, have complained about long wait times on the phone when calling customer service, as well as difficulty canceling policies.
Root Insurance has mixed reviews from customers. Many customers appreciate the ease of using the Root app and the personalized pricing based on individual driving habits. Root also has a transparent pricing model, which allows customers to see exactly what they’re paying for. Some customers, however, have reported issues with Root’s claims process, including slow response times and difficulty getting claims approved. Some customers have also reported unexpected premium increases after renewing their policies.
Roundup: Erie vs Root
In conclusion, Erie and Root are two reputable car insurance companies with their own unique strengths and weaknesses. Erie has been around for over 95 years and has a strong presence in the mid-Atlantic and Midwest regions, while Root is a newer company with a focus on using technology to offer personalized rates.
If you prioritize a long-standing reputation and a wider range of coverage options, Erie may be the better choice. If you’re looking for a more tech-driven experience and personalized rates based on your driving habits, Root may be the way to go. In either case, it’s important to compare quotes from multiple companies to find the best coverage and rates for your unique situation.
Frequently Asked Questions
What types of car insurance coverage does Erie offer?
Erie offers liability coverage, collision coverage, comprehensive coverage, medical payments coverage, uninsured and underinsured motorist coverage, and personal injury protection (in certain states).
Does Erie offer any discounts on car insurance?
Yes, Erie offers several discounts, including multi-policy discounts, safety discounts, and good driver discounts.
How do I file a claim with Erie?
You can file a claim with Erie by calling their 24/7 claims hotline or by filling out an online form on their website.
What states does Erie offer car insurance in?
Erie offers car insurance in 12 states and the District of Columbia: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
What is Root car insurance?
Root is a car insurance company that uses telematics technology to determine your rates based on your driving habits.
How does Root car insurance work?
To get a quote from Root, you’ll need to download their app and take a test drive. Root will then use the data from your test drive to determine your rates. If you sign up for a policy, you’ll continue to be monitored by the app and your rates may change depending on how you drive.
Does Root offer any discounts on car insurance?
Yes, Root offers several discounts, including safe driving discounts and bundling discounts.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.