Auto Insurance
Questions you should ask for answers you should know. Not sure of an answer? Contact us and we would be glad to explain your options.
What is the difference between full tort & limited tort?
What does comprehensive cover?
What does collision cover?
Do I have to carry comprehensive and collision?
Can I purchase replacement cost?
Can I purchase gap coverage?
Can I get diminishing deductible?
Do I have to buy insurance through a rental company when renting a car?
Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto premiums while obtaining the coverage you need.
An auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability and medical. Uninsured and underinsured auto coverage pays you and the other passengers in the car if the driver who crashed into your car has no insurance or has insufficient auto insurance.
Rate Lock:
Be sure to ask us about "RATE LOCK." Even if you have a claim, your rates won’t change until you make certain changes to your auto insurance policy, such as adding or removing a vehicle or a driver from your policy or changing your primary residence.
ERIE Rate Lock®
Insurance rates are bound to rise. Except yours.
Ride Share Driver?
Yes, we can help you get insurance that covers Ride Share.
Diminishing Deductible:
You can purchase diminishing deductible for $30/year regardless of how many vehicles you have.
Replacement Cost:
You can purchase replacement cost coverage on a new car for the 1st 2 years and it becomes Better Car Coverage after 2 years. A vehicle that is a total loss is settled as if it is a car 2 model years newer.
Deductibles:
Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.
Multi-policy:
By insuring your auto and home with Erie Insurance, you will receive a discount on your auto premium as well as your homeowners insurance premium.
Multi-car:
If you insure two or more cars with Erie Insurance and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.
Safe driver:
New policyholders who are claims and violation-free may be eligible for an additional discount.
Pay plan:
By paying your premium in full by your effective date or within 60 days, you will receive a discount.
PERC:
Long-term, claims-free drivers receive additional discounts.