Safest Rides on the Road

Auto Insurance NC

1/20/2011

Automakers have stepped up safety. Ten new vehicles have joined the 2011 Top Safety Pick winners list from the Insurance Institute for Highway Safety for a total of 66 winners.

One of them is the 2011 Ford Explorer, which joins, for the first time, previous and current Ford SUV winners: the Ford Flex and Lincoln MKT. The all-new Ford Fiesta is the only minicar to earn the Top Safety Pick in 2011.

What’s not on the list? Pickups. None of the small pickups the Institute evaluated qualified for this year's award, and large pickups haven't yet been tested.

The front-running automakers on the list are Hyundai/Kia and Volkswagen/Audi that each have 9 winners for 2011. Next in line with 8 awards apiece are General Motors, Ford/Lincoln, and Toyota/Lexus/Scion. Subaru is the only manufacturer with a winner in all the vehicle classes in which it competes. Subaru earns 5 awards for 2011.

Notably, for consumers looking to buy a fuel-efficient small car, General Motors provides a new award-winning option with the Chevrolet Cruze. GM built the Cruze — which has 10 standard airbags, including ones for the knees — to outperform the government's minimum roof strength requirements and touts the achievement as a selling point.

If you’re buying a new car, keep safety in mind and check out the full list of winners. Also, give us a call beforehand and we can let you know how much your new car will cost to insure before you buy. We can help you learn which safety features can earn you a discount on your ERIE auto insurance, too.

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What Our Customers Say!

"I wanted to let you know what outstanding customer service I experienced today. Jennifer Wakefield contacted me because she had been notified  that I purchased a new car and had not yet reported it on my auto policy.  At the time I purchased the car, the dealership assured me they would be contacting your agency to make the switch and to verify that I had certain levels of coverage.  Imagine my dismay to learn that five weeks had gone by, and this call had not been made!  Jennifer took care of all the loose ends for me and was very kind and responsive throughout all of our communications.

I have had Home, Auto and Umbrella Liabilty coverage through your agency for four years.  Every time I contact your staff,  I am blown away by how helpful and kind everyone is, and how consistent your service remains, regardless of who I am speaking with.  You have a fantastic team of employees.   Keep up the great work!"

Meghan Claffey Cline, MHS - Nutritional Interventionist, Wake Forest University

Read what others have to say.

What's New

Claims and Your Insurance Rates
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When is it time to contact your auto insurance or home insurance agent to file a claim?

You might be thinking, "Whenever my car or house has been damaged, like by an accident, or a disaster." But deciding whether to file a claim can be a complex process. In some cases, a claim may cause an insurance company to raise your rates.  In other instances, a claim could land your name in a database that might make it difficult to get or maintain coverage in the future.  Before you file a claim, make sure you completely understand how it will impact your future premiums and insurability.
 
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"The whole point of insurance is to make good on a loss, to make individuals whole again," says Claire Wilkinson, the editor of Terms + Conditions, the blog of the New York-based trade group the Insurance Information Institute. However, many people fear that filing insurance claims will cause them to be "blackballed" by insurance companies, resulting in higher premiums, loss of coverage and difficulties obtaining new insurance. And in some cases, they might be right.  Read more here:
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What You Should Know About Rental Car Insurance
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There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
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5 Ways to Control Rising Homeowners Insurance Premiums
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Just as with real estate values, location rules when it comes to homeowners insurance costs. According to the National Association of Insurance Commissioners, the average annual U.S. premium was $842 in 2015, the most recent year for which figures are available. Floridians paid the highest rates, averaging $1,534 a year, while at the opposite end of the spectrum, homeowners in Idaho paid $422.  North Carolina residents averaged $664 per year. 
 
Fortunately, you can take several steps to bring down the cost of your own homeowners policy, short of packing up and moving:
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