Collision
Collision insurance covers your car or truck when it’s in an accident with another vehicle. It also covers you when you hit an object like a tree or a pole that’s not covered under comprehensive insurance.
Did You Know?
When you give permission to a friend or relative to borrow your car and they get in a fender bender, your auto policy could provide coverage. Ask an agent how ERIE’s auto policy can help protect you.
Comprehensive
When life throws you a curveball, comprehensive insurance covers damage to your vehicle that’s not caused by a collision, such as fire, theft or when you hit a deer.
Did You Know?
ERIE’s auto policy covers windshield and glass repairs as part of our comprehensive coverage. Even better, most glass damage can be fixed at a location that’s convenient to you like your home or workplace.
Liability
Liability insurance helps protect drivers when they’re responsible for an accident that injures other people or damages other people’s property. Drivers are required to have this coverage in nearly every state.
Did You Know?
An umbrella policy gives you an extra layer of protection over and above the limits in an auto, home or boat policy in case you’re sued or responsible for an accident. Ask an agent about ERIE’s personal catastrophe liability policy.
We believe that the proof is in the policy.1
Pricing and Deductible Options
| ERIE Rate Lock® | |
| Typical ERIE Auto Policy | Competitor |
| Yes. Learn more about our ERIE Rate Lock option. | No. |
| First Accident Forgiveness2 | |
| Typical ERIE Auto Policy | Competitor |
| Yes, no surcharge the first time you’re at fault in an accident after you have been a customer for three years. | Costs extra. |
| Diminishing Deductible | |
| Typical ERIE Auto Policy | Competitor |
| Yes, reduced by $100 for each consecutive claims-free policy year, up to a maximum of $500.3 | Sometimes available and costs extra. |
| Bundled Coverages | |
| Typical ERIE Auto Policy | Competitor |
| Yes, you can expand your auto coverage for just pennies a day. (Great buy, especially if you own several cars.) | Stand-alone feature with per vehicle fees. |
Coverage Options
| Transportation Expense | |
| Typical ERIE Auto Policy | Competitor |
| Yes, with comprehensive coverage. Additional days of coverage are available after settlement. Add it to collision coverage and pick from five classes of rental car options.4 Read more about rental car expense coverage. | A daily dollar limit and the payment ends upon the settlement. |
| Road Service | |
| Typical ERIE Auto Policy | Competitor |
| Yes, reasonable towing and required labor costs at the site where your car breaks down.5 Learn more about emergency road service coverage. | Typically, only up to a certain dollar amount. |
| New Car Protection | |
| Typical ERIE Auto Policy | Competitor |
| Yes, If your new vehicle (up to 24 months old) is a total loss after an accident, it will be replaced with a new vehicle of the latest model year.6Read more about new and used car replacement. | Limited. It may only be available for the first year after the vehicle is purchased. With ERIE, it’s up to two years. |
| Better Car Protection | |
| Typical ERIE Auto Policy | Competitor |
| Yes. If your car (24 months+) is totaled, it can cover the balance of an auto loan (but not carry-over balances), or it can replace an older car with a vehicle two years newer.6 | Limited. The coverage replaces your older car with a vehicle just one model year newer. ERIE replaces with a model two years newer. |
Vehicle Options
| Additional/Replacement Autos or Trailers | |
| Typical ERIE Auto Policy | Competitor |
| Yes, automatic coverage to the end of policy period on the owned vehicles that we insure. | Usually limited to only 30 days. |
| Miscellaneous Vehicles | |
| Typical ERIE Auto Policy | Competitor |
| Yes. When you insure a miscellaneous vehicle like a motorcycle with us and you buy a second one (has to be a similar type), automatic coverage applies to the end of the policy period. | Usually limited to only 30 days. |
| Coverage for Non-owned Autos | |
| Typical ERIE Auto Policy | Competitor |
| Yes, covers cars, moving vans (used for personal use), trailers or temporary substitutes. | Usually doesn’t include moving vans. |
- This information is a summary and does not include all coverages and benefits that are available or apply to all states. Coverages, benefits, limits and deductibles may vary. Talk to an ERIE agent for state-specific policy information.
- Available after the policyholder has been insured with ERIE for three years. Available immediately in North Carolina and with the ERIE Rate Protect policy in New York.
- Coverage must be purchased to be added to an auto policy. The deductible is reduced by $100 for each claims-free year up to a maximum reduction of $500. In New York, comprehensive deductible cannot be reduced to less than $50 and collision deductible cannot be reduced to less than $100.Diminishing deductible is not available in North Carolina.
- The five classes of rental car options are not available in Virginia and North Carolina. With transportation expenses, it is included in Virginia with comprehensive coverage and is optional with collision. In North Carolina, restrictions apply. Transportation expenses are only covered with vehicle theft claims. The limit is $15 per day and up to $450 per loss.
- Limitations apply in North Carolina and Virginia.
- Not available in North Carolina.