Alyssa Lane
Erie Insurance is a Pennsylvania-based insurance provider that offers some of the most competitive auto insurance rates in the country. The company currently offers auto coverage in 12 states and Washington, D.C. The types of auto insurance offered by Erie include bodily injury liability coverage, property damage liability, personal injury protection, uninsured or underinsured motorist coverage, and comprehensive coverage. Collision coverage is also available as an add-on to comprehensive coverage. In addition to auto insurance, Erie offers home, renters, condo, business, and life insurance.
| Characteristics | Values |
|---|---|
| Number of States Covered | 12 + Washington, D.C. |
| Discounts | Multi-policy, safe driving, car safety equipment, reduced usage, unmarried drivers under 21 living with parents, college student without a car |
| Coverage | Bodily injury liability, property damage liability, personal injury protection, uninsured or underinsured motorist, comprehensive, collision, pet injury, travel costs, borrowed or rented vehicles, relatives borrowing vehicle, locksmith charges, roadside service, death benefit, transportation expenses, increased coverage limits, waived deductibles, emergency roadside service |
| Add-ons | ERIE Auto Plus, Diminishing Deductible, Transportation Expenses, Increased Coverage Limits, Waived Deductibles, Death Benefit |
What You'll Learn
Collision insurance
One of the key benefits of Erie's collision insurance is that it also includes damages caused by uninsured motorists and hit-and-run drivers. This means that even if the other driver involved in the accident doesn't have insurance or can't be identified, your repairs or replacements will still be covered. This can provide significant peace of mind and financial protection in the event of an accident.
Additionally, Erie's collision insurance covers a range of other scenarios. For example, if you lend your car to a friend or relative and they get into a minor accident, your policy could provide coverage for the repairs. This can be especially useful if you frequently lend your car to others or if you're concerned about the driving abilities of those you lend your car to.
Erie's collision insurance also offers flexibility in choosing your repair options. You can work with your favourite mechanic or choose one recommended by Erie. Their network of qualified businesses, known as the Direct Repair program, will estimate the damages, share their estimate with Erie, and then make the necessary repairs. This streamlined process can help take the stress out of dealing with the aftermath of an accident.
Finally, it's worth noting that collision insurance is particularly recommended if you have a newer vehicle, are on a lease, or still owe money on your car loan. In these cases, having both collision insurance and comprehensive ("comp") insurance is advisable to ensure you have the fullest extent of protection for your vehicle.
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Liability insurance
The amount of liability insurance required varies by state. For example, in Ohio, the minimum liability coverage for bodily injury per person is $25,000, bodily injury per accident is $50,000, and property damage is $25,000. However, it is important to consider that the state minimum may not be enough to cover all the costs in the event of an accident. You have the option to buy higher limits on your liability insurance, which will increase your premiums but provide greater financial protection.
When determining the cost of auto liability coverage, insurance companies consider various factors, including your credit history, driving record, location, and the number of miles driven. These factors help assess the risk of insuring you and the likelihood of you filing a claim.
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Comprehensive insurance
Comprehensive coverage from Erie also includes locksmith charges. If you accidentally lock your keys in your car, they will cover the locksmith costs up to $75. Additionally, if you purchase comprehensive coverage, Erie offers a reimbursement of up to $75 per passenger in the vehicle for travel expenses if you are stranded after a covered loss and don't reach your destination or return home.
Furthermore, comprehensive coverage provides protection for physical damage to personal items such as clothing, luggage, and other belongings inside your car. Erie offers coverage of up to $350 for these items.
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Pet injury coverage
Pet injury insurance reimburses you for vet bills and burial expenses if your pet is injured or dies as a result of a car accident. It also often covers the cost of a new pet.
It's important to note that not all car insurance companies include accident coverage for pets, and the details of coverage can vary among those that do. Erie auto insurance is currently only available in 12 states and Washington, D.C.
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Personal item coverage
Erie Insurance offers personal item coverage as part of its auto insurance policy. This coverage includes physical damage coverage, which helps to protect your clothing, luggage, and other personal belongings inside your insured car. The coverage limit for personal item coverage is $350.
Erie Insurance's auto policy also includes other benefits, such as locksmith services coverage of up to $75 if you accidentally lock your keys in your car. Additionally, the policy covers vet treatment costs of up to $500 per pet and a total limit of $1,000 if your pet is injured in an accident while riding in your car.
You can further customize your auto coverage by adding extra protection features, such as the ERIE Auto Plus® package, which includes increased coverage limits for personal items, among other benefits.
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Frequently asked questions
Collision coverage applies to losses that result from a collision with another vehicle or object. It also includes damages caused by uninsured motorists and hit-and-run drivers. Comprehensive coverage is for losses caused by fire, theft and contact with animals, like hitting a deer. Damage to your windshield is also covered under comprehensive coverage.
An Erie auto insurance policy includes bodily injury liability coverage, property damage liability, personal injury protection, uninsured or underinsured motorist coverage, and comprehensive coverage.
Erie auto insurance offers first accident forgiveness, pet injury coverage, waived deductibles, locksmith charges, and road service at the site of an accident.
