How Erie Compares to a Typical National Carrier
As an independent agency, Vallie Insurance is not locked into one carrier. We write most personal and business coverage through Erie Insurance, we also work with Progressive, and we can place coverage with other carriers when that is the right fit. This page explains the things that are genuinely different about how Erie writes a policy, so you can decide what matters for your situation.
12-month policies instead of 6
Erie writes 12-month auto policies. Many national carriers write 6-month policies, which means your rate can change twice a year. With a 12-month term your rate is set for the full year.
ERIE Rate Lock®
With Rate Lock, your auto premium stays the same at renewal unless you make a change to the policy — add or remove a vehicle or driver, or change your address. A claim by itself does not raise it.
Guaranteed Replacement Cost on your home
Erie’s homeowners policy can include Guaranteed Replacement Cost, which pays the full cost to rebuild your home after a total loss even if construction costs have risen above your policy limit. Many policies pay only up to the limit.
A local agent instead of a call center
Your policy is serviced by the people at 822 Tusculum Blvd who wrote it. When you have a claim, you call an office that knows your name.
Where a national carrier may fit better
If you only need basic liability to drive legally and price is the only factor, a national direct-to-consumer carrier can be a reasonable short-term choice. We will tell you that when it is true.
See the specifics
- Erie vs Progressive — the two carriers we write most often, side by side.
- Independent vs captive agent — what the difference means for you.
Have a policy with another carrier? Request a free comparison and we will review it against what Erie or Progressive would write.