Erie Auto Insurance: Understanding The Fine Print For Offspring Coverage

Whether or not to exclude offspring from auto insurance while they're away at school is a common question for parents. Erie Insurance offers a discount for parents whose children go to college without a car. However, there are several factors to consider when deciding whether to exclude offspring from your auto insurance policy. If your child will not be bringing a car to school and will not be driving while at home during breaks, excluding them from your policy could save you money. On the other hand, if your child will be driving at school or borrowing a friend's car, it may be wise to keep them on your policy to ensure they have liability coverage in case of an accident. Additionally, keeping your child on your policy can help build a record of continuous auto insurance coverage, which could result in lower insurance costs when they obtain their own policy.

Erie Insurance covers pets injured in an accident while riding in your car

Erie Insurance provides coverage for pets injured in an accident while riding in your car. If your pet is hurt in an accident while riding in your car, an Erie policy will pay up to $500 per pet, with a total limit of $1,000 for associated medical costs. This benefit falls under the collision coverage on your car insurance policy.

It is important to note that Erie Insurance is only available in 12 states within the US and Washington, D.C.

Pet injury insurance reimburses you for veterinary fees and burial expenses if your pet is injured or dies as a result of a car accident. In some cases, pet injury insurance also covers the cost of a new pet. Many insurance companies waive the collision deductible for pet injury claims, but this is not always the case.

Pet injury coverage is typically limited to dogs and cats, and the pet must be owned by you or a household member. Additionally, the pet must be in the car at the time of the accident for the coverage to apply.

While Erie Insurance provides coverage for pets injured in an accident, not all car insurance companies include this protection. Therefore, it is essential to carefully review your insurance policy or consult with your insurance provider to confirm the specific details of your coverage.

Erie Insurance offers a college student discount

Erie Insurance offers a discount for parents whose children are college students studying away from home and do not have a car at school. To qualify for the discount, the student must be single, a full-time college student, live away from home during the school year, and not have a car at school.

This discount can be a great way for parents to save money on their car insurance while their children are away at college. It is important to note that if the child will be driving during school breaks or borrowing a friend's car at school, it may be wise to keep them on the policy. This will ensure that they are covered in case of any accidents or incidents.

Additionally, keeping your child on your policy can help build a record of continuous auto insurance coverage, which could result in lower insurance costs when they obtain their own policy in the future. Insurance companies may even reject applicants without a history of coverage.

There are also other discounts offered by Erie Insurance that can help lower your premium. These include bundling home and auto insurance, choosing a higher deductible, and taking advantage of vehicle safety features such as airbags and anti-lock brakes.

It is always a good idea to speak with an insurance agent to review your coverage and determine which discounts you may be eligible for. They can help you make the best decision for your specific situation and ensure that you have the protection you need.

By offering a college student discount, Erie Insurance provides parents with some financial relief and ensures that their children are still covered during their time at college.

Erie Insurance covers locksmith charges

You can also add the ERIE Auto Plus endorsement to your policy, which increases the reimbursement limit to $125. This endorsement costs $35 or less per year and includes other benefits such as a $10,000 death benefit, additional days of transportation expense coverage, waived deductibles in select situations, and increased coverage limits for stolen personal items, sound equipment, and non-owned trailers.

Erie Insurance offers a good student discount

The good student discount is just one of many discounts offered by Erie Insurance. The company provides competitive prices and additional ways to save. For example, a typical multi-policy discount is around 20%, and Erie offers multi-policy discounts from 16% to 25% when you insure your auto and home with them.

Erie Insurance also offers discounts for safe driving, car safety equipment, multiple cars, and reduced usage. You can also save by paying your auto premium in one lump sum.

In addition to these discounts, Erie Insurance provides benefits that are not always found in other typical policies. For example, their auto policy covers windshield and glass repairs as part of their comprehensive coverage. They also cover vet treatment costs for pets injured in an accident (up to $500 per pet and a total limit of $1,000).

Erie Insurance is a good option for those seeking car and homeowners insurance. They offer low rates and receive high customer service scores. Their rates are 36% less than national averages, and they have a higher overall home satisfaction rating from J.D. Power than most other companies.

Overall, Erie Insurance is a good choice for those looking for comprehensive coverage, additional benefits, and opportunities to save through various discounts, such as the good student discount.

Erie Insurance offers a good driver discount

Erie Insurance also offers a range of other discounts to its auto insurance customers, including:

• Multi-policy discounts: for customers who insure multiple cars or have multiple policies with Erie (life insurance, home insurance, and auto insurance).
• First Accident Forgiveness: meaning customers will not be surcharged the first time they are at fault in an accident after being an Erie customer for three or more years.
• Diminishing Deductible Option: for each consecutive policy year in which a customer doesn't file a claim, their deductible will be reduced by $100, up to a maximum of $500.
• Vehicle storage discount: for customers who store their vehicle for 90 consecutive days or more.
• Safety savings discount: for vehicles equipped with antilock brakes, airbags, or anti-theft devices.
• Payment perks discount: for customers who pay their annual premium in one lump sum.
• Youthful driver discount: for unmarried drivers under 21 who live with their parents.
• College credit discount: for drivers on the policy who attend school 100+ miles away from where the car is parked.

In addition to these discounts, Erie Insurance also offers a range of Xtra Protection Features that are automatically included with comprehensive or collision coverage. These include:

• Up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home.
• Up to $500 per pet for vet treatment costs if your pet gets hurt in a covered accident while traveling in your car (up to a total limit of $1,000 for two pets).
• Reimbursement of up to $75 for locksmith services if you lock your car keys in the car.
• Up to $350 towards personal belongings not covered by other insurance if they are damaged in an accident.

Frequently asked questions