With regards to insurance coverage, one of the best coverage is one that gives the appropriate safety for you and your loved ones — proper now. Which means as your life adjustments, your insurance coverage protection ought to, too.

In an excellent world, you’d name your insurance coverage agent each time you completed a house renovation, purchased a brand new automobile or acquired a brand new job. However life is busy. And with all of the tasks of labor and household, evaluating your auto, residence or life insurance coverage protection could fall fairly low in your precedence checklist.

That’s why it’s useful to have an insurance coverage agent. Your agent can control your insurance policies and attain out to attach to verify they’re nonetheless the appropriate match.

So in case your agent calls (or texts or emails) and affords to overview your protection, right here’s what you possibly can anticipate. Or in the event you’re able to overview your insurance policies you possibly can obtain our free PDF printable guidelines on what to inform your agent and what info to have useful.

What’s a Protection Overview?

A protection overview is a common check-in together with your insurance coverage agent. In the course of the overview, you’ll meet with  your ERIE agent and share any life adjustments that might have an effect on your insurance coverage wants. This info will probably be used to replace your present insurance policies and suggest extra coverages you could wish to take into account.

A protection overview is an effective alternative to ask questions and perceive what your insurance policies can (and may’t) cowl. Your ERIE agent may also share real-life claims examples they’ve seen in your native space that will help you keep away from doubtlessly pricey protection gaps.

Your agent could schedule an in-person assembly, or ask you to offer info over the telephone or e mail — no matter works finest for you.

In fact, you don’t want to attend to your agent to schedule a protection overview. It’s also possible to request one your self! Simply name, e mail or textual content your agent to get in contact.

What Info Will My Agent Ask for Throughout a Protection Overview?

Throughout a protection overview, your agent will wish to find out about any life adjustments because you final related. This will likely embody:

• Private info: Make certain your agent has present info for you and your loved ones. This contains your mailing handle, telephone quantity, e mail handle and all of the members of your family. Make sure you allow them to know of any identify adjustments resulting from marriage or divorce, or in the event you’ve had a toddler because you final spoke — this will likely result in a change in your coverage beneficiaries. Having the proper info on file ensures there aren’t any delays within the occasion of a declare.
• Lined drivers: When updating your auto insurance coverage, your agent might want to know if there are any adjustments to the drivers coated beneath your coverage. This might be a toddler that’s about to get their driver’s license or somebody who’s residing with you and often utilizing your automobile (Associated: Am I Lined After I Lend My Automobile to Mates or Household?). In case you’re contemplating a brand new automobile, your agent may also present a free quote.
• House updates: Have you ever upgraded your kitchen, remodeled your bonus room or completed your basement? Main enhancements like these improve the worth of your house, which suggests you could want the next restrict in your owners coverage. With out altering your limits, you could be left with a protection hole t hat may go away you underinsured in the event you want torepair or rebuild your house if the sudden occurs. Ask your agent how assured alternative value can present peace of thoughts.
• New purchases: In case you’ve purchased any new “toys” — like a ship, all-terrain automobile (ATV) or golf cart— it’s your decision a separate insurance coverage coverage. Whereas insurance coverage won’t be required for watercraft and off-road automobiles, they nonetheless symbolize a big funding that ought to be protected. The identical holds true with valuables corresponding to musical devices or jewellery. Sending a replica of your up to date residence stock to your agent will assist them decide if you could buy private valuables insurance coverage.
• Job adjustments: Let your agent know if there have been any adjustments together with your employment. For instance, in the event you’ve retired or are actually working from residence, the miles you save in your each day commute could end in a decrease auto insurance coverage charge. And in the event you lately earned a promotion, it could be time to overview your life insurance coverage coverage to make sure you’ve acquired sufficient protection — past what could also be provided by your employer.

Can My Agent Assist Decrease My Insurance coverage Invoice?

Everybody likes saving cash, proper? Speak to your ERIE agent – they’ll work with you to make sure you’re getting one of the best worth doable for the protection you want.

Learn extra about obtainable insurance coverage reductions from ERIE or try this checklist of how it can save you:

• Secure driving low cost: In case you’re a secure driver with a great driving document, you can get a reduction in your auto protection. And in choose states, ERIE’s free driving security app, YourTurn® can assist you earn rewards for secure driving*. With YourTurn®, drivers measure standards like rushing, braking and telephone utilization to turn into extra conscious of their driving habits. As an added perk, you’ll earn a present card for secure driving (as much as $5 or $10 each two weeks). Study extra about YourTurn®.
• Automobile security tools reductions: It can save you in your insurance coverage protection in case your automobile is supplied with security tools like factory-installed air baggage, passive restraint², anti-theft units³ and anti-lock brakes.
• Multi-car low cost: If ERIE insures two or extra of your automobiles, you can qualify for a reduction. (All of the automobiles in your family should be owned and utilized by the drivers we insure on the coverage.)
• Multi-policy low cost: A reduction is accessible in case you have a qualifying life insurance coverage coverage¹ or residence coverage along with your ERIE auto insurance coverage.
• Lowered utilization low cost: In case you’re not utilizing your automobile for not less than 90 consecutive days in the course of the coverage interval, you can be eligible for a reduction in your automobile insurance coverage².
• Younger drivers: Single drivers beneath age 21 who reside with their mother and father could also be eligible for extra financial savings on their automobile insurance coverage³.
• Annual cost plan: It can save you by paying your auto premium yearly.
• Altering your deductible: Typically, you possibly can decrease your insurance coverage premium by elevating your deductible. However in the event you’d favor to cut back your out-of-pocket bills within the occasion of a declare, our diminishing deductible is accessible for about $30 extra per 12 months with the Erie Auto Plus⁴ endorsement. Your deductible diminishes for yearly you do not need a declare.

Get Custom-made Recommendation from an Insurance coverage Skilled

At ERIE, we all know each buyer’s circumstance is completely different. That’s why we by no means work from a one-size-fits-all formulation. Your ERIE agent will take heed to you rigorously and provide tailored options to your state of affairs and your price range. Better of all — you’ll get excellent protection, nice charges and repair from native individuals who care. To be taught extra, contact your native ERIE agent or begin a free on-line auto quote.

*YourTurn not obtainable in all states. As of 03/2023, it is not obtainable to clients in KY, NC, NY and DC.

Ages 16-23 can earn rewards as much as $10 each two weeks, ages 24+ can earn rewards as much as $5 each two weeks. Rewards are primarily based on the collaborating driver’s rating in the course of the scoring interval whereas driving 50 tracked miles. Indiana individuals can earn as much as $5 each two weeks. Rewards are distributed by means of the YourTurn app by way of digital present playing cards.

Driving enchancment statistics offered by Cambridge Cell Telematics.

The YourTurn app requires individuals to be a licensed driver on the ERIE auto coverage and have a sound e mail handle, smartphone quantity and information plan to obtain and activate the YourTurn app. Customers should comply with the Phrases and Situations of the YourTurn® app.