Esurance and Erie are two largely successful companies in the auto insurance industry. Esurance was founded in 1999, and Erie was founded in 1925. Both companies offer an ample selection of discounts, among them are Esurance’s unique “Pac-12” discount and Erie’s “Reduced Usage” discount. While Esurance’s strength lies in its strong and extensive online platform and low premiums, Erie’s strength is its exceptional customer service reviews and high J.D Power ratings.
However, Erie’s premiums are on the higher side, and Esurance’s restriction to only buying/filing claims online provide some drawbacks.
So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school.
Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and Erie. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Esurance | Erie |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | Erie |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Esurance | Erie |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | Erie |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | Erie |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | Erie |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| 2016 | 48 | 43 |
| 2015 | 67 | 40 |
| 2014 | 47 | 35 |
| 2013 | 43 | 19 |
| Esurance Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Among the best |
| Policy Offerings | Average | Above average |
| Pricing | Average | Among the best |
| Local Agent | Average | Above average |
| Call Center Representative | -- | -- |
| Insurer Website | Among the best | -- |
| Esurance Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | Average |
| First Notice of Loss | Below average | Average |
| Service Interaction | Below average | Above average |
| Appraisal | Below average | Average |
| Repair Process | Below average | Among the best |
| Rental Car Experience | Below average | Average |
| Settlement | Below average | Average |
| Esurance Auto Insurance | Erie Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A+ |
| Moody's | -- | -- |
| S&P's | -- | A |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
Erie
eSSENTIAL Accessibility App. This free app helps you navigate Erie’s website from your mobile device. It’s geared for those with physical disabilities who have trouble using a mouse. The app has keyboard and mouse replacement options and aims to aid the disabled. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
Erie
Erie Emergency Road ServiceEmergency Road Service coverage is offered as part of your current car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero. Service Covered
Contact Phone NumberErie Emergency Road Service Hotline: (800) 367-3743 |