I finally got off my ass and got some insurance quotes for home, auto, and umbrella. I went to an independent agent to see how their quotes would compare to Nationwide. Erie Insurance is coming in the cheapest by far over my current Nationwide policy and also compared to State Farm quotes. I'd never heard of Erie Insurance, and I'm not sure how to evaluate that company. Random googling produces some negative reviews, but I saw where some folks on this forum spoke well of the company. The independent agent also said they had had good experiences with Erie locally. The price is right, but the real test is how they act when you make a claim. So, has anybody had to make a claim using Erie and how did that go?