Thinking about starting a real estate podcast? Today’s episode with Declan Spring is for you! In this interview, Declan shares how to quickly, cheaply, and easily launch a podcast of your own. Declan also offers advice on getting great guests and staying engaged while creating content. Listen and learn everything you need to know in order to launch something that listeners will love.
Listen to today’s show and learn:
About Declan Spring [2:01]
Referral-based marketing [4:44]
Launching a local real estate podcast during the pandemic [6:17]
Understanding the culture of your local market [15:15]
An alternative to social media marketing: podcasting [16:34]
How to cheaply, easily start a podcast [19:58]
Tips for targeting the right audience [26:23]
Writing and sticking to a mission statement [31:58]
How Declan finds potential podcast guests [33:44]
Finding the right fit for you when it comes to marketing [39:38]
Potential challenges with starting a podcast [41:48]
Where Shelby found her podcast editor/virtual assistant [46:10]
Running a podcast for local Realtors [47:39]
Where to find and follow Declan Spring [49:45]
Advice on embracing change in real estate [51:04]
Declan Spring
Declan Spring is an Irish-born, long-time resident of the San Francisco Bay Area’s East Bay which includes Oakland and Berkeley. Declan joined Red Oak Realty in Berkeley, California in 2010 as a residential REALTOR® and immediately began community building as part of a long-term strategy toward successfully working by referral and being a resource to his community. Declan strives to be a source of neighborhood, community, and industry information that’s intimate and deep, to clients and agents alike. This focus on community giving and referral-based marketing has propelled him to receive top-producer status on multiple occasions. Declan hosts a popular real estate insiders podcast, “Let’s Talk, with Declan Spring” that’s ranked number 7 by traffic among all California real estate podcasts. He also hosts the BRIDGE Association of REALTORS® Podcast as part of his commitment to being of greatest possible value to both his clients and the professional community alike. Of his podcasting Declan says “It’s been phenomenal in increasing my reputational accountability and in positioning me as a local real estate expert. Lately this means that I’m fielding an increased number of Bay Area referral requests from out-of-area and out-of-state REALTORS® and playing matchmaker to ensure potential clients are finding their way to the very best local Bay Area agents”.
Related Links and Resources:
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
Discovering TikTok for the first time? This platform is a worthwhile investment, regardless of your TikTok experience level.
First and foremost, you must attract more viewers to your videos, but how?
Let’s find out.
Understanding Why You’re Not Getting Views
It is sometimes said that generating views on short-form material is simple.
This couldn’t be farther from the truth. As you embark on your Tik Tok journey, here are some common mistakes to avoid if you don’t want low views on this platform.
Low Engagement
TikTok ranks your video on the “For You” tab using engagement as one of the important factors. Fewer people will find your material and watch your videos if you have low engagement.
Not Focusing on One Niche
Even if you have a profile that receives many views in one specific niche, your viewership will quickly decline if you abruptly shift that niche and start posting random content across multiple niches.
New Account
If you’re a new user, TikTok still needs to index your account. It does this to separate actual persons from fake accounts.
Inappropriate Content
Users must abide by many “norms and common code of conduct” in TikTok’s community guidelines.
The algorithm may lessen the discoverability of your postings in addition to temporarily or permanently deleting accounts of major violators. This is accomplished by diverting search results or disqualifying videos from ‘For You’ feed recommendations.
Not Using the Best Hashtags
You can go far with hashtags. It’s one of the best tools for promoting your videos to viewers and making them simple to find. Your videos can fall behind without hashtags, especially if you don’t have a huge fan base.
How Much Does TikTok Pay per 1,000 Views?
TikTok has introduced several video features to aid creators in generating income from businesses and users. Additionally, this business pays users directly through its Creator Fund and TikTok Pulse advertising program.
You can make between two and four cents through the TikTok Creator Fund for every 1,000 views. As a result, once you hit a million views, you could receive $20 to $40.
What Counts as a View on TikTok?
On many social media platforms, “views” are measured in different ways, but on TikTok, it’s quite easy to understand: as soon as your video begins to play, it counts as having been viewed.
For instance, just because a video has 100 views does not necessarily mean that 100 individual people saw it. Instead, this indicates it was viewed 100 times.
TikTok Views Hack
The Power of Understanding Your Audience
Is your target audience interested in the trendiest songs, to which most people are bopping along, or are they more interested in narrative videos?
Knowing your audience will enable you to determine the content that will pique their interest. TikTok analytics are accessible to business accounts. Overview, Content, Followers, and Live are available tabs.
For more information on your present audience, visit the Followers page, where demographic data like location and gender are displayed. You may see what fascinates them as well.
Your followers’ activity shows you the times of day they are most active. Keep track of the times your fans are online and how much engagement they display throughout the week.
Look at the most well-liked videos under the Content tab. Are some sound snippets or pieces of information more likely to get engagement than others? If so, consider the topic and format to determine if you can repeat it.
There are no set guidelines for producing material. The secret is using creativity to turn important subjects into interesting videos your audience would watch. Your material will effectively reach the intended audiences and foster greater engagement if you do this.
The Four Secrets to Engaging Your Audience
Engaging with the TikTok community is important for two reasons:
It enables you to establish connections with other users and develop a following.
You may create more of that content by learning what material is most popular on the app.
Engage With Your Followers
Respond to comments, like, and comment on other people’s videos, and follow them back to build relationships with your fans. These extra measures are quite effective!
Join TikTok Groups and Challenges
The TikTok community can be engaged with, and content can be produced through challenges well-liked on the app. Check out popular challenges and think about joining them.
Use Duets to Build Relationships with Other Users on TikTok
Duets are a fantastic way to interact with other TikTok users and share your material with them. When you duet with another user, your video appears on a split screen with their video.
Find a video you want to duet with, then touch the “Share” button on the video. Next, choose “Duet” and start recording your video.
Be Consistent
Success on TikTok is predicated on consistency. You must consistently publish new content to increase your audience and have more people watch your videos.
The Benefits of Uploading Multiple Times a Day
Take advantage of TikTok being the hub for short-form video content. TikTok advises publishing one to four times per day. Increase your chances of being viewed by your target demographic by posting more than once every day.
However, this does not imply that you should frequently publish during the day. It’s crucial to remember that producing high-quality content is preferable to posting often throughout the day.
Depending on the type of information you produce, experts generally advise posting 1-3 times daily. By doing this, you can ensure that you consistently give your followers high-quality content while avoiding giving them an information overload.
It’s crucial to produce content that will interest your target audience when developing content. Understanding your audience will help you generate material that appeals to their interests. It would help if you also used trending hashtags and the trends feature to keep up with the most recent information.
The secret is to stay true to your brand and provide only pertinent material. Spend time investigating and discovering something distinct that can set your brand apart from the competition.
Leveraging Trends on the ‘For You’ Page
A frequent topic or music from a film becomes a trend when people use it again and typically reinterpret it. Doing your take on trends is acceptable because they are enjoyable and widely adopted. It’s not considered plagiarism, as it would be on another platform.
Additionally, various app features, including noises, dances, transitions, and hashtags, can give rise to trends. Browse the ‘Discover’ tab, which will present a selection of current sounds or subjects, for one of the simplest methods to spot trends.
Curating trends isn’t something the TikTok algorithm does. Instead, it presents users with a mix of well-liked and less-liked movies in their feed that is selected based on the content they are interested in. Therefore, you can attract the correct audience by maintaining your trending video within your niche and adding your twist.
You need people to watch your videos all the way through. People will watch your video if it is based on a trend they have yet to see. Furthermore, watch time significantly impacts how well your video performs.
Maximizing Your TikTok Presence Through Collaboration
Understanding the unique feel and style of TikTok video clips is essential for achieving significant reach and resonance within the app.
For marketers, this entails doing their homework and spending time on the app. Alternatively, you can work with seasoned artists and use their platform expertise to help you enhance your messaging and appeal.
By partnering with another creator, you might get access to a completely different audience you wouldn’t have had otherwise. Working with a well-known TikTok maker is an excellent choice because they will likely have a dedicated following that trusts them and interacts with their content.
Do this for your brand too. Brand collaborations are more remembered and interesting than other content on the platform, according to the TikTok for Business post.
It’s crucial to pick the correct individual to work with on a project. By doing so, you’ll have a higher chance of expanding your target audience and forging a meaningful connection with a creator who can assist you (and vice versa). However, always keep in mind the factors to take into account before contacting out.
Although it can be alluring to see yourself collaborating with huge influencers, smaller producers are frequently a far better fit for your brand.
Add Relevant Hashtags to Your TikTok Videos
Hashtags on TikTok serve two distinct functions. Hashtags help to quickly categorize the videos while assisting the algorithm in determining which users may be interested in the material.
Having relevant hashtags is essential on TikTok, just like everything else. If you overuse hashtags, the algorithm may give up trying to classify your content.
For a video, three to four hashtags are advised. These should include both that are popular, and that accurately reflect your content.
Should you use hashtags on TikTok? Yes! The advantages of using hashtags are as follows:
Catching the attention of new users who are interested in your content.
Creating a branded hashtag for community building.
Facilitating the search for and discovery of your content.
Describing to viewers what they may anticipate from your video.
But what is the proper use of hashtags on TikTok? Let’s look at some of the best practices.
Look up popular hashtags for your video.
Look for hashtags that are specific to your competitors.
For your video, use the appropriate number of hashtags.
On TikTok, start a hashtag challenge.
Avoid using competitive hashtags.
Make Data-Driven Decisions to Gain a Competitive Edge
Every brand should take advantage of the consumer insights TikTok offers.
Currently, one billion TikTok users from 154 different countries, especially among younger digital consumers, have become this network hub for marketing companies.
This growing crowd has brought attention to the value of TikTok competition analysis. It helps brands create a benchmark of their progress against their top competitors.
How should you take advantage of this?
Identify Your Competitors
Making your brand stand out starts with knowing who your competitors are and what they offer. You’ll be able to set competitive prices and use your efforts to counter competing marketing campaigns.
Track Basic Metrics
Social media metrics are crucial since they demonstrate that you can gauge a campaign’s effectiveness, the effectiveness of your social media strategy, and ultimately if you will have an impact on your entire business.
Here are a few criteria to consider when conducting a thorough competitor study:
Top posts
Follower count
Reach
Views
Comments
Likes
Shares
Engagement rates
Examine Your Competitors’ Audience
So, if you want to know how a brand is doing, start with its internal workings. And to achieve that, you must examine the brand’s target market.
Examine the audience’s response to your competitors’ content, general interactions with its followers, and how it responds to your competition.
It would be best to appeal to the same demographic as your competitor occasionally.
To acquire followers for TikTok with precise geo-targeting and probably some gender targeting as well, you might want to make a second account for this. By doing this, you may see and think the same things as your competitor.
Spy on Different Content
Look at your competitors’ channels to find out what topics they cover and how viewers react to the videos.
When you’re looking, consider the following questions:
Are there a lot of comments?
What do the comments say?
How many likes does the video have?
How many times has it been watched?
You may use all of this information to determine whether the subject is worthwhile to discuss and how to move forward with improving your content.
Observe Competitors’ Engagement Strategy
Check out the material that gets the most traction with your competitors. Do they make use of Facebook reels? Or do your competitors host live discussions with professionals in the field?
Monitor the competitor’s post volume, tone, content types, etc. Check over their page in detail and be ready to provide detailed responses to such inquiries.
Increase Your Views and Monetize Your TikTok Account
Some TikTok users purchase views with hopes of becoming more popular. But is it possible to buy followers on TikTok? And how effective is buying TikTok views?
It depends. You can increase your rating, and your account’s visibility by purchasing TikTok likes and views. If done correctly, purchasing TikTok likes can result in more free, natural likes and views.
For $7 or less, you can get 250 TikTok followers. The most expensive bundle costs about $80 and includes 5000 TikTok followers. For less than $2, you may get additional TikTok interactions like views and likes.
You must be cautious when choosing a company to buy TikTok views from because several businesses sell views that will do nothing to improve your profile. We’d recommend that you focus on creating quality content instead. However, if you are curious about trying paid views, consider trying this with a second account to avoid penalties.
Master the Tik Tok Algorithm and Maximize Your Income
TikTok can be a terrific platform to master, regardless of whether you’re a business owner or a talented creator. It’s important to remember that for you to be successful with Tik Tok, you have to think long-term. While success isn’t guaranteed, if you take the time to learn new skills, you’ll be well on your way to earning money online.
As more and more businesses depend on content creators, learning skills with video, voice, or writing is always a good idea. Hopefully, these pointers will assist you in getting more TikTok views and expanding your audience, ultimately netting you more income.
This article originally appeared on Finance Quick Fix.
Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.
10 Actresses People Despise Watching Regardless of Their Role
These 7 Celebrities are Genuinely Good People
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.
These 10 Activities Are an Immediate Red Flag
Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.
10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites
About the Author
Chris Alarcon
Chris is the founder of FWO, the blog for people looking to reach financial independence and stay inspired along the way. Go from being stressed and in debt to growing your net worth. Grab your free guide here.
I’ve invested a significant amount of my personal capital (all of it..) into my own startups. But, never someone else’s company. Until a couple of months, that is.
I’m excited to announce I’m an angel investor in Resident Ventures, a company that hosts bespoke culinary experiences in unique, residential spaces.
[embedded content]
The back story: At CREtech New York last year, I met Brian Mommsen, the founder, and was instantly drawn to the blend of community, real estate, and hospitality — the three things I’ve spent my 15-year professional career obsessed with. It just so happened that the GEM was an enterprise community that could benefit from a next-gen networking experience. So, I proceeded to become a customer of theirs to produce a founders VIP dinner in NYC at the end of January. I was so blown away with the food + experience and raving feedback by attendees that not only is there another GEM founders dinner in the books (NYC Feb 2021, here we come)…. but I went on to make my very first angel investment in the company.
Further thoughts on Resident’s concept can be found here.
If you’re interested in reviewing the deck and/or discussing further, the round is still open. Looking for strategic real estate asset owners to participate, and/or anyone with a passion for food, hospitality, community & real estate.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
,
this post may contain references to products from our partners. Here’s an explanation of
.
Our content is backed by
Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our
.
Bankrate logo
The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices.
We’ve maintained this reputation for over four decades by demystifying the financial decision-making
process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy,
so you can trust that we’re putting your interests first. All of our content is authored by
highly qualified professionals and edited by
subject matter experts,
who ensure everything we publish is objective, accurate and trustworthy.
Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
We guide you throughout your search and help you understand your coverage options.
We provide up-to-date, reliable market information to help you make confident decisions.
We reduce industry jargon so you get the clearest form of information possible.
All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
Bankrate logo
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
Bankrate logo
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Bankrate logo
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
3.5
Rating: 3.5 stars out of 5
Bankrate Score
Caret Down
Auto
Rating: 3.8 stars out of 5
3.8
Caret Down
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 3.5 stars out of 5
3.5
Home
Rating: 3.1 stars out of 5
3.1
Caret Down
Cost & ratings
Rating: 2.8 stars out of 5
2.8
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 2.3 stars out of 5
2.3
About Bankrate Score
Bottom Line
If you live in Erie’s 12-state service area, the company could be a great choice for robust coverage and affordable premiums. Erie’s digital tools are lacking compared to its competitors, though, so it may not be the best choice for tech-focused customers.
Affordable average premiums for both homeowners and car insurance policies compared to the national average
Strong customer satisfaction rankings from J.D. Power
Erie’s home insurance offers guaranteed replacement for dwelling coverage in most states
Erie auto and home insurance is only available in 12 states and Washington D.C.
No usage-based auto insurance program available
Only a few homeowners endorsements available
Avg. annual auto insurance premium for full coverage: $1,356
Avg. annual auto insurance premium for min coverage: $486
Avg. annual home insurance premium for $250k dwelling coverage: $957
Answer a few questions to see personalized rates from top carriers
Info
What’s new with Erie?
In August 2022, Erie Insurance established Erie Strategic Ventures to help fund entrepreneurs who create innovative products and services for customers and Erie’s independent agents. The company also recently announced the addition of optional extended water coverage for homeowners policies.
Erie car insurance
Founded in 1925, Erie Insurance Group started in Pennsylvania but has since expanded to 12 states and Washington D.C. The company offers coverage options that may be difficult to find among its competitors. Its standard auto insurance policies feature a diminishing deductible, first accident forgiveness for eligible policyholders and Erie Rate Lock, depending on the state. Additional coverage options include roadside assistance, auto glass repair and personal item coverage.
Erie car insurance earned a Bankrate Score of 3.8 out of 5. This Score reflects the company’s coverage options, financial strength, customer satisfaction and available discounts. Erie lost points due to its regional availability and limited digital tools (for example, the mobile app doesn’t have a claims filing option). Erie earned an A+ (Superior) AM Best financial strength rating and placed third in J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study.
Pros and cons of Erie car insurance
Erie’s coverage options and customer satisfaction scores make it one of the best car insurance companies in states where it writes policies. Comparing pros and cons of Erie auto insurance may help you decide if the company could be a good fit for your needs.
PROS
Checkmark
Roadside assistance and rental car reimbursement available
Checkmark
Erie Rate Lock may help keep rates stable over time
Checkmark
Auto policies include pet coverage
CONS
Close X
Available in just 12 states and the District of Columbia
Close X
No telematics or usage-based insurance program available
Close X
Mobile app does not enable policyholders to file a claim from their mobile devices
Erie car insurance cost
Erie is one of the cheapest car insurance companies based on our research of average premiums analyzed from Quadrant Information Services. Erie’s full coverage car insurance costs an average of $1,356 per year, while minimum coverage averages $486 per year.
Comparatively, the national average cost of car insurance for both coverage levels is higher, at $2,014 per year for full coverage and $622 per year for minimum coverage. Actual rates may vary based on car insurance rating factors, but the premium data below may be a useful comparison tool.
Erie car insurance rates by driving history
Bankrate bases the following average rates on data provided by Quadrant Information Services. This may not represent the price you will pay for car insurance. We do not include average rates for drivers with a history of driving under the influence (DUI) because some insurers may not write policies for motorists with a DUI conviction. If you have a DUI conviction, you may contact your insurance agent to find out how it could impact your car insurance premium.
this.select(this.$id(‘tab’, 1)))
},
select(id)
this.selectedId = id
,
isSelected(id)
return this.selectedId === id
,
whichChild(el, parent)
return Array.from(parent.children).indexOf(el) + 1
}” x-id=”[‘tab’]”>
Erie average monthly full coverage premium
Erie average annual full coverage premium
National average annual full coverage premium
Clean driving history
$113
$1,356
$2,014
Speeding ticket conviction
$123
$1,476
$2,427
At-fault accident
$134
$1,607
$2,854
Erie average monthly minimum coverage premium
Erie average annual minimum coverage premium
National average annual minimum coverage premium
Clean driving history
$41
$486
$622
Speeding ticket conviction
$44
$527
$748
At-fault accident
$49
$592
$892
Erie car insurance quotes by age
Young drivers typically pay some of the highest average car insurance rates. Teens and other young drivers may save by remaining on their parents’ auto insurance policy until they’ve established their own households. The following average rates are based on a motorist on their parents’ policy with a clean driving record, as well as drivers listed on their own policies.
Average cost of car insurance for drivers on their parent’s policy
this.select(this.$id(‘tab’, 1)))
},
select(id)
this.selectedId = id
,
isSelected(id)
return this.selectedId === id
,
whichChild(el, parent)
return Array.from(parent.children).indexOf(el) + 1
}” x-id=”[‘tab’]”>
Erie average monthly full coverage premium
Erie average annual full coverage premium
National average annual full coverage premium
Age 16
$240
$2,876
$4,392
Age 17
$225
$2,700
$4,102
Age 18
$219
$2,630
$3,837
Age 19
$209
$2,512
$3,345
Age 20
$205
$2,456
$3,149
Erie average monthly minimum coverage premium
Erie average annual minimum coverage premium
National average annual minimum coverage premium
Age 16
$86
$1,035
$1,470
Age 17
$81
$970
$1,362
Age 18
$79
$944
$1,261
Age 19
$74
$892
$1,070
Age 20
$73
$876
$995
Average cost of car insurance for drivers on their own policy
this.select(this.$id(‘tab’, 1)))
},
select(id)
this.selectedId = id
,
isSelected(id)
return this.selectedId === id
,
whichChild(el, parent)
return Array.from(parent.children).indexOf(el) + 1
}” x-id=”[‘tab’]”>
Erie average monthly full coverage premium
Erie average annual full coverage premium
National average annual full coverage premium
Age 18
$249
$2,988
$6,110
Age 25
$136
$1,630
$2,473
Age 30
$122
$1,461
$2,125
Age 40
$113
$1,356
$2,014
Age 60
$107
$1,279
$1,824
Erie average monthly minimum coverage premium
Erie average annual minimum coverage premium
National average annual minimum coverage premium
Age 18
$90
$1,081
$1,967
Age 25
$48
$579
$747
Age 30
$43
$520
$647
Age 40
$41
$486
$622
Age 60
$39
$462
$578
Your deductible may be reduced by $100 for each claim-free policy year, up to a $500 maximum. This discount is only available to policyholders who purchase the Auto Plus endorsement, and its availability may vary by state.
Erie may extend both bundling and multi-policy discounts to policyholders who carry more than one insurance policy with the company.
Vehicles equipped with safety and security devices, such as airbags, anti-lock brakes and anti-theft devices, may qualify for a discount.
Erie may extend a discount to policyholders who pay their annual car insurance premium in one lump sum, rather than monthly installments.
Erie car tools and benefits
Erie extends a coverage option for non-owned autos including cars, moving vans and trailers that you use but do not own. This may be ideal for Erie drivers who do not own a vehicle but do drive on occasion.
Erie also sells boat, class car and motorcycle insurance, along with coverage for ATVs, golf carts and snowmobiles.
Erie home insurance
Erie home insurance receives high customer satisfaction scores from J.D. Power as well as 24/7 support for policyholders and a variety of coverage options. Erie offers guaranteed replacement cost coverage as part of its standard homeowners policies as well as additional living expenses.
Although Erie does not allow policyholders to file a claim through their mobile app, the company has more than 13,000 local agents and advertises a 90 percent customer retention rate year over year.
Pros and cons of Erie homeowners insurance
If you’re considering Erie for your homeowners insurance needs, it may be helpful to compare perks and drawbacks you may experience with the carrier. Here are a few of the key pros and cons Bankrate’s editorial team identified:
PROS
Checkmark
Guaranteed dwelling replacement cost coverage included in standard homeowners policies
Checkmark
Ranked 7th in J.D. Power’s 2022 U.S. Home Insurance Study
Checkmark
Standard home insurance policies include up to $500 in pet coverage
CONS
Close X
Only a few discounts available
Close X
Few optional coverages available
Close X
Not available in all states
Dwelling coverage limit
Erie average annual premium
National average annual premium
$150,000
$659
$975
$250,000
$957
$1,428
$350,000
$1,269
$1,879
$450,000
$1,601
$2,343
$750,000
$2,597
$3,761
Erie home insurance discounts
Home insurance discounts may help you save on your premium. Advertised home insurance discounts with Erie include:
You may earn a discount if your home is equipped with safety features like smoke alarms, security systems and an automatic sprinkler system.
Obtain an Erie homeowners insurance quote seven to 60 days before your current policy’s renewal date and you might earn a discount.
Customers who purchase a life insurance policy in addition to a car or homeowners insurance policy with Erie could earn a multi-policy discount.
Erie home tools and benefits
Erie’s home insurance coverage comes with unique options not found with other carriers. Its home insurance pet coverage extends coverage to up to $500 for animals, including birds and fish.
Erie offers gift card and gift certificate reimbursement coverage for its ErieSecure Home policies. Customers may receive reimbursement for up to $250 per gift card purchased from businesses within 100 miles of their home, with a maximum of $500 per policy period.
Erie life insurance
Erie offers four life insurance products: term life, whole life, universal life and Erie’s exclusive ERIExpress Life. Erie’s term life insurance may be a good option for those who want a fixed coverage term and intend for the policy to pay for expenses that may be burdensome to loved ones, such as funeral costs and mortgage or credit card debt. Whole and universal life have no fixed terms, but universal life offers the most flexible death benefit. Erie’s unique ERIExpress Life policy may be ideal for people looking for a simplified application and fast approval.
Pros and cons of Erie life insurance
The best life insurance company may be different for everyone, and each policy type serves a different purpose. The following pros and cons may help you decide if Erie life insurance is right for you.
PROS
Checkmark
Multi-policy discounts available for policyholders with a life and home or auto policy.
Checkmark
ERIExpress may be available without a medical exam.
Checkmark
Variety of policy types to choose from
CONS
Close X
Only one rider advertised to customize coverage.
Close X
Online quoting is not available
Close X
Only writes policies in 12 states and the District of Columbia
Erie life insurance endorsements
Life insurance endorsements, also called riders, may modify and extend your life insurance coverage. Erie’s life insurance coverage only offers one rider, a long-term care rider. Erie’s long-term care rider is only available for universal and whole life insurance policies. The long-term care rider provides an accelerated death benefit, which pays a portion of your policy’s death benefit to help pay medical expenses incurred following a covered accident or illness that requires long-term care.
Erie life tools and benefits
Erie provides a life insurance calculator on its website to help customers decide which type of policy may best fit their needs. From there, customers can request to be paired with an independent Erie agent to get a quote.
Erie customer satisfaction
Researching third-party ratings may help you decide which insurer best fits your needs. J.D. Power produces annual car insurance and home insurance studies that rate and rank insurers based on their customer satisfaction. These include the national U.S. Auto Claims Satisfaction Study and more regional U.S. Auto Insurance Study.
Agencies such as AM Best, Moody’s and Standard and Poor’s analyze the financial strength of insurers and produce ratings that may indicate the financial strength of individual companies. Erie has earned an A+ (Superior) AM Best financial strength rating.
Lastly, the National Association of Insurance Commissioners (NAIC) produces an annual complaint index report to track the prevalence of complaints lodged against insurance companies. The index employs a baseline of 1.0. Scores below 1.0 indicate that a provider had fewer complaints than expected for a company its size and vice versa.
Erie auto satisfaction
In J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study, Erie ranked third in the market, with an overall customer satisfaction score of 893 out of 1,000. More regionally, Erie came in first for overall customer satisfaction in the mid-Atlantic and North Central regions. Erie has an NAIC Complaint Index of 0.56 for its private passenger policies, indicating fewer customer complaints than expected for a company its size.
Erie homeowners satisfaction
Erie ranked above average in J.D. Power’s 2022 U.S. Home Insurance Study, earning an overall customer satisfaction score of 827 out of 1,000. Erie’s homeowner policies have an impressive NAIC Complaint Index of 0.09, indicating very few complaints from policyholders.
Erie life satisfaction
Erie wasn’t rated in the annual life insurance study conducted by J.D. Power, potentially due to the company’s small size when compared to national life insurance carriers. However, the Erie Family Life company, which underwrites Erie’s life insurance products, has an NAIC Complaint Index of 0.46, which is less than half of the 1.00 baseline. Based on this data, Erie’s life insurance customers may be satisfied with the service they receive, since fewer-than-average complaints were filed.
How to file a claim with Erie
Erie gives auto and home insurance policyholders two ways to file a claim. They can contact their Erie agent or call the 24/7 claims center at 800-367-3743. Life insurance customers can file a claim by contacting their Erie agent or by calling 800-458-0811.
Erie availability
Erie writes car and home insurance policies in the District of Columbia and the following states:
Illinois
Indiana
Kentucky
Maryland
New York
North Carolina
Ohio
Pennsylvania
Tennessee
Virginia
West Virginia
Wisconsin
Erie sells life insurance in the District of Columbia and all of the aforementioned states, except New York.
Other Erie perks worth considering
Erie also offers business insurance including business automobile insurance. Business policies may protect a variety of businesses, including breweries, contractors, religious organizations, retailers and veterinarians.
Erie also offers a long list of other insurance and financial products for customers, including:
Financial services: Erie offers Medicare supplemental coverage (Medigap) and retirement accounts, including annuities and individual retirement accounts (IRAs).
Renters, condo and mobile home insurance: Erie offers a variety of insurance policies for other dwellings and living situations.
Flood insurance: Erie sells standalone flood insurance policies for homeowners and business owners.
Personal valuables insurance: This coverage may be purchased to financially protect jewelry, art, sports equipment, collections, musical instruments and more.
Erie corporate sustainability
Through The Giving Network, Erie and its employees volunteer time and money with organizations focussed on community building, environmental responsibility and safety. These initiatives include partnering with United Way and American Red Cross, as well as supporting other culture and arts organizations, entrepreneurship, education and environmental responsibility. In November 2022, the provider’s The Giving Network awarded $50,000 in grants to 10 northwest Pennsylvania environmental organizations.
With the company’s ERIE Service Corps, employees are encouraged to use a full work-day volunteering in their local community. The Corps also has a matching donation program and established the H.O. Hirt Scholarship Fund and the F.W. Hirt Employee Emergency Fund to more immediately meet the financial needs of their community.
Not sure if Erie is right for you?
Erie offers a variety of auto, home and life insurance products, but it does not write policies in all states. If you live outside Erie’s service area or need an insurer that offers a more diverse portfolio of products, you might consider one of these carriers:
Erie vs. Allstate
Allstate sells car and homeowners policies in the District of Columbia, Puerto Rico and all states except New Jersey. While Erie extends a multi-policy discount to policyholders, Allstate offers more ways to potentially reduce your premium. For instance, if you switch to Allstate, you might earn up to a 10 percent discount, plus an additional 10 percent savings each time you renew your policy. Allstate also offers a robust mobile app that allows policyholders to file claims virtually.
Learn more: Allstate insurance review
Erie vs. Travelers
Unlike Erie, Travelers offers optional rideshare coverage and gap insurance. Travelers extends many potential home insurance discounts including potential discounts for purchasing a new home and owning a LEED-certified green home. However, Travelers ranks lower than Erie in the 2022 U.S. Home Insurance Study and does not sell life insurance products.
Learn more: Travelers Insurance review
Erie vs. AAA
AAA Life Insurance Company sells term life, universal life and whole life insurance policies. AAA’s traditional term life policies offer coverage up to $5 million and give you the option to add a child term endorsement, which provides up to $20,000 in coverage for each eligible child. AAA’s roadside assistance program is robust and enables you to request battery, flat tire, emergency fuel delivery, locksmith, mechanical first aid and towing services from the convenience of the AAA mobile app. Bear in mind that AAA coverages, discounts and optional coverages may vary by location.
Learn more: AAA insurance review
Is Erie a good insurance company?
Erie has excellent financial strength ratings and earned high marks in J.D. Power’s customer and claims satisfaction studies. Additionally, the provider has NAIC Complaint Indexes that are far lower than baseline.
While Erie includes some perks in its standard auto insurance policies, like roadside assistance and rental car reimbursement, the carrier falls behind in the market by not offering a comprehensive mobile app or telematics program.
Erie’s standard homeowners policies feature guaranteed dwelling replacement cost coverage, which most insurers only offer as an endorsement, but they extend few optional coverages and discounts. Overall, Erie offers a solid portfolio of auto, home and life insurance products, but the provider only writes policies in a handful of states.
Clock Wait
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
Auto
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.
The rates for drivers ages 16–20 added to their parent’s policy reflect the good student and driver’s training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver’s training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.
Homeowners
Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company’s true score in each category out of a possible five points.
2021 $0 down, VA home loan limit for St. Clair County is $548,250. St. Clair County is located in western Missouri, and is the perfect place to kick back and enjoy life. The county is home to some of the most beautiful outdoor locations, including rivers, forests, parks, and more. There are a multitude of […]
The post St. Clair County, Missouri VA Home Loan Information appeared first on VA Home Loan Centers.