About Erie Insurance - Auto
Auto :: Homeowners :: Life :: Personal Property & Liability :: Commercial
Auto Insurance Your car is an essential part of your daily routine. Whether you're running errands, driving to work or planning a road trip with family or friends, you depend on your vehicle to get you where you're going - and do so safely. When the unexpected happens, you can count on us to help get you back on track.
Consider your ERIE options for private passenger auto insurance:
Auto Policy Coverage
Erie Insurance's private passenger auto insurance can be customized to fit the needs of you and your family. Choose the coverage limits you need for:
- Bodily Injury Liability - covers your legal liability for bodily injury claims
- Property Damage Liability - covers your legal liability for property damage claims
- Medical Payments - covers the medical expenses sustained by you or others in your auto as the result of an accident *
- Uninsured/Underinsured Motorists - covers your damages incurred by an uninsured or underinsured driver
- Comprehensive - covers your "other than collision" damages to your auto
- Collision - covers your damages caused by collision or upset
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Value & Discounts
To offer you the most for your insurance dollar, Erie Insurance offers a variety of discounts on private passenger auto insurance policies, including:
- Multi-Car discount
- Age 55 or over discount
- Passive restraints discount
- Anti-theft devices discount
- Anti-lock brakes discount
- Multi-policy discount (not available in D.C.)
Sometimes bad things happen to good drivers. To address this The ERIE offers:
- First Accident Forgiveness Plan – The ERIE will not surcharge an auto policy written through our preferred plan in the event of a first "at-fault" accident (a waiting period may apply in certain states).
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Long-term customers are rewarded with:
- Feature 15 – After a Policyholder's auto policy has been in force for 15 years, The ERIE will never surcharge for an at-fault accident again.
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Conscientious, claims-free drivers also receive:
- Pioneer Experience Rating Credit (PERC) – An additional discount for long-term, claims-free driving experience.
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Xtra Features
Erie Insurance's auto insurance "Xtra" features go above and beyond standard coverage. The Pioneer Family Auto Insurance Policy protects you and your family with more than 30 extra features such as:
- Up to $100 a day ($200 in VA) for incurred loss of earnings for your assistance in our investigation or defense of a claim or suit filed against you.
- Up to $500 for the expense of bail bonds arising from the accident or related traffic violation.
- Up to $1000 for loss to a non-owned trailer.
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If physical damage is purchased:
- The ERIE will waive your comprehensive deductible when a damaged windshield is repaired rather than replaced. *
- The ERIE will pay up to $350 for loss to personal effects resulting from a covered loss while the personal effects are in or upon an auto we insure. (Theft losses are covered if the entire vehicle is stolen.)
- The ERIE will pay up to $50 for costs incurred for locksmith services if keys are accidentally locked in an auto we insure.
- The ERIE will waive the collision deductible in the event of an accident between two autos insured by The ERIE ** , or if the driver of an auto not insured by The ERIE is identified, solely liable and insured. (Damage to the insured vehicle must be greater than the deductible.)
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Additional Auto Insurance Coverage
Erie Insurance's private passenger auto policy insurance can be tailored, for an additional premium, to meet your individual needs.
| Transportation Expenses |
Covers transportation expenses, including the cost of car rental, should your auto become disabled due to a collision loss (included in Va.). Transportation expense from a comprehensive loss is automatically included at basic limit when comprehensive is purchased. |
| Death and Disability Benefits |
Provides death and/or disability benefits should you die or become disabled as a result of an auto accident. |
| Road Service |
Pays reasonable towing and required labor costs at the site of breakdown when your auto is disabled. |
| Auto Lease/Loan Security Coverage |
Provides additional protection in the event of a total loss to a covered auto. Coverage is provided for the difference between the actual cash value of the auto and the amount due under the terms of the lease/loan. (Coverage not available in N.Y.) |
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