Erie Insurance was founded in 1925 and headquartered in Pennsylvania. It offers car insurance services to 12 East Coast and Washington, DC states.
Erie offers many coverage types, including car replacement coverage, gap insurance, rideshare insurance, locksmith services, personal item coverage, pet insurance in case your pet is injured in a car accident, and so much more.
Erie offers extra perks that other insurers charge more, especially when you add comprehensive coverage to your policy.
They offer fantastic insurance rates and reasonable prices for hazardous drivers who have been in at-fault accidents and have speeding tickets.
Erie is perfect for new car owners and is easy to budget as it keeps your price the same year unless you decide to make specific changes.
Erie car insurance gives you benefits you won’t always find elsewhere. They even help you customize your car insurance for personalized protection.
Erie Car Insurance Coverage
When you are car insurance shopping, it is essential to understand the car insurance coverage type you want and the required minimum the state you drive requires from you.
There is optional car insurance coverage and car coverage types with extra protection that offer you unique features. You can also get full coverage insurance from Erie.
Types of Car Insurance Coverage You Can Find on Erie Insurance
Erie’s coverage options are not limited, they have several coverage options for customers to choose from. Below are the coverage options available:
Bodily Injury Liability Coverage
If you cause an accident and other people are injured due to your negligence, bodily injury liability coverage helps protect you against any claims for damages such as medical expenses, lost wages, pain, and suffering.
Property Damage Liability
If you cause an accident in which someone’s car or property is damaged, property damage liability coverage helps protect you against claims such as repair and replacement bills.
Personal Injury Protection
If you or others are injured in an accident you caused, the personal injury protection coverage covers the medical payment coverage.
Uninsured or Underinsured Motorist Coverage
If you are injured by a hit-and-run driver or a driver who has no car insurance or has just little car insurance coverage this coverage helps to pay your medical bills and offers you financial protection.
Comprehensive Coverage
If your car is damaged as a result of theft or a natural disaster such as fire, flood, hail, or even a situation with an animal you can use this coverage as a protection for repair and replacement bills.
Collision Coverage
If your car collides with another car, an object, or a fence, this coverage serves as protection in case you have to get a new vehicle or pay for repairs.
Other Additional Coverage Erie Offers
First Accident Forgiveness: if you have used Erie insurance for three years without being in any form of at-fault accident then you will be eligible for accident forgiveness coverage.
The accident forgiveness coverage ensures there is no surcharge the first time you are at fault in an accident after three claim-free years with Erie Insurance.
Windshield Repair
Helps to wave your comprehensive deductible then proceed to help you repair your damaged windshield rather than replace it.
Pet Injury Coverage
This coverage automatically covers you if your pet is hurt in a covered accident while riding in your car, the coverage will pay the vet treatment bills.
New Car Protection
This coverage is not available in New York or South Carolina. The coverage helps to replace your new car that was damaged or totalled with a new vehicle of the latest model year.
Better Car Protection
If your car was totalled, Erie would replace it with a vehicle two years newer than your previous car. However, the coverage is not available in New York or North Carolina.
Other Car Insurance Options
Rental Car Expense Coverage
Ridesharing coverage
Non-owned vehicle coverage
Diminishing deductible
Does Erie Insurance Offer Discounts to its Customers?
Erie offers a limited number of common car insurance discounts; below are a few:
Reduced usage discount
If you store your vehicle for 90 days without using it, you are entitled to a reduced usage discount.
Safety savings discount
If you have safety features installed in your vehicle, you will be entitled to a safety savings discount.
Multi-car discount
If you have more than two cars installed in your vehicle, you will be entitled to a multi-car discount.
Multi-policy discount
If you have other policies with Erie apart from your car insurance policy, you will be entitled to a multi-policy discount.
Annual Payment plan discount
If you pay your premium at once and not in instalments, you will be entitled to a discount.
FAQs
How Much Does Ere Car Insurance Cost?
Erie car insurance cost will usually depend on several factors. However, on average, a minimum coverage policy costs $2,593 per year and $216 per month.
What are the Downsides of Erie Insurance?
The downside of Erie insurance is that it is not available in all states. At the same time, some of its unique features, benefits, discounts, and coverages are only available for specific cities and states.
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