Erie vs Kentucky Farm Bureau Car Insurance for 2023

When it comes to choosing a car insurance company, it’s important to find one that offers the coverage you need at a price you can afford. Two popular options are Erie car insurance and Kentucky Farm Bureau car insurance. In this review, we’ll compare the two companies in terms of their history, products, discounts, and customer satisfaction to help you make an informed decision.

Bullet Points:

Before diving into the specifics, let’s take a quick look at some interesting attributes of Erie and Kentucky Farm Bureau car insurance:

• Erie offers a Rate Lock feature that guarantees your premium won’t change until you make certain policy changes, get a new car, or add a new driver to your policy.
• Kentucky Farm Bureau car insurance provides discounts for a wide range of affiliations, including farm bureaus, military service, and professional associations.
• Both companies have high customer satisfaction ratings, with Erie earning an A+ rating from the Better Business Bureau and Kentucky Farm Bureau earning a 4.6-star rating on Google.

Company History and Mission:

Erie Insurance was founded in 1925 and is based in Pennsylvania. The company prides itself on providing “protection, service, and value” to its customers. Today, Erie offers a wide range of insurance products, including auto, home, life, and business insurance.

Kentucky Farm Bureau Insurance, on the other hand, was established in 1943 as a subsidiary of the Kentucky Farm Bureau Federation. The company’s mission is to “protect you and your family from the unexpected.” In addition to auto insurance, Kentucky Farm Bureau also offers home, life, and health insurance.

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Products and Services:

Both Erie and Kentucky Farm Bureau car insurance offer similar products, including liability, collision, and comprehensive coverage. However, there are some differences to consider:

Erie offers a few unique coverage options, such as New Auto Security, which replaces your vehicle with a brand new one of the same make and model in the event of a total loss, and Pet Injury Coverage, which covers vet bills if your pet is injured in a car accident.

Kentucky Farm Bureau car insurance offers a few extra perks, including roadside assistance and glass repair and replacement services.

Pricing and Availability:

The cost of car insurance can vary widely depending on factors like your age, driving history, and location. That said, both Erie and Kentucky Farm Bureau car insurance tend to be affordable options.

According to the Zebra, a car insurance comparison site, Erie’s average annual premium is $1,195, while Kentucky Farm Bureau’s is $1,259. It’s worth noting that these prices are based on a sample driver profile and may not reflect your own personal rate.

Both companies offer car insurance in multiple states, with Erie serving 12 states and the District of Columbia and Kentucky Farm Bureau operating exclusively in Kentucky.

Discounts Available for Customers:

One way to save money on car insurance is by taking advantage of available discounts. Both Erie and Kentucky Farm Bureau car insurance offer a variety of discounts, including:

• Multi-policy discounts for bundling multiple types of insurance with the same company
• Safe driver discounts for maintaining a clean driving record
• Vehicle safety discounts for cars with features like anti-lock brakes and airbags
• Good student discounts for students who maintain a certain grade point average
• Affiliation discounts for members of certain organizations

It’s important to note that discount availability and eligibility can vary by state and policy.

A summary of customer reviews of the company

Erie Car Insurance has received generally positive reviews from customers. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Erie ranks as the second-highest in overall customer satisfaction among auto insurers in the North Central region, which includes Illinois, Indiana, Michigan, Ohio, and Wisconsin.

Erie also has an A+ rating from the Better Business Bureau and has been accredited by the BBB since 1937. The company has only a small number of complaints registered with the BBB in recent years, indicating a high level of customer satisfaction.

Customers praise Erie for its affordable premiums, excellent customer service, and fast claims processing. Some negative reviews mention difficulties with claims processing or issues with the website or mobile app.

FAQ:

Q: Can I get Erie car insurance if I don’t live in one of the states where it’s currently available?

A: No, Erie Insurance is only available in the 12 states listed above.

Q: Does Kentucky Farm Bureau offer any discounts for safe driving?

A: Yes, Kentucky Farm Bureau offers a safe driver discount for customers who maintain a good driving record.

Q: Are there any differences between Erie and Kentucky Farm Bureau in terms of coverage options?

A: Both companies offer similar coverage options, but the cost and availability of those options may vary depending on your location and other factors.

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