We’re no longer living in an age where owning a car is not a necessity. As Ferris Bueller once said, “Life moves pretty fast. If you don’t stop and look around once in a while, you could miss it”. Thankfully, our cars are able to get us from Point A to Point B with relative ease. By purchasing your auto insurance through ERIE, you’ll get a number of amazing benefits that will give you the peace of mind you deserve, so you can live your life the way you want to.
Multi-Policy Discount: When you bundle your home and auto insurance with Erie, you may be eligible for the multi-policy discount. This discount does not only apply to combining your home and auto coverage. For example, if you renting a home or if you own a condo instead of a home, you can combine one of these policies with your auto insurance.
ERIE Rate Lock: This feature can be added to your auto policy at any time. It gives you the opportunity to pay the same rate for your auto insurance every year. If you’re involved in an accident, your rate will not increase until you make certain changes to your policy. For example, your rate can change if you add a new car to your policy, add another driver like a son or daughter, or if you change your address.
ERIE Auto Plus: With this endorsement, you can cover all of the vehicles listed on your auto policy for up to $35 per policy. For every year you don’t file a claim, your deductible will decrease by $100 each year up to a maximum amount of $500.
Pets: We all love our furry friends! And we all dread the idea of them getting hurt. If your pet is injured in a covered auto accident, Erie will cover the costs of vet bills up to $500 per pet (maximum of 2 pets for a total limit of $1,000).
YourTurn: Are you a competitive person? Are you ready to put your safe-driving skills to the test? When you and other drivers in your family sign up to use ERIE’s YourTurn Phone App, you’ll be able to track and keep records of your family members’ scores, latest locations, trip details and streaks. Let the games begin!
New Auto Security: With ERIE’s New Auto Security endorsement, you have the opportunity to have your new vehicle (or 2015 vehicle that’s “new” to them) replaced without worry of depreciation. If your vehicle is deemed a total loss and you had a lease or a loan still on the vehicle, Erie will cover the difference between the actual cash value of the vehicle and what was still owed on the lease/loan. This is known as gap coverage on your auto policy.
Rental Cars: If you file a claim for a covered accident or loss, ERIE can offer Transportation Expense Coverage. This coverage is meant to cover you for the duration you don’t have access to your damaged vehicle.
Full Payment Discount: If you are able to pay your auto insurance premium in full up front, ERIE has a discount available for you.
Roadside Service: If you’re ever in a situation where your vehicle breaks down and you’re stranded, for around $5 per vehicle, you can add this coverage. This coverage gives you that added peace of mind knowing ERIE will save the day should something unexpected happen.
55+ Driving Discount: For all of your years of safe driving, ERIE wants to reward you. Call us to discuss this offer with one of our agents today.
Reduced Usage Discount: If you plan to store your vehicle for 90 consecutive days or more, ERIE can offer you a discount in most states (Not available in Kentucky).
Accident Prevention Course: Refreshing your driving skills if you’re 55 years old or older may make you eligible for a discount on your auto insurance policy.
Call us at 301-948-2010 to discuss your auto insurance coverage today! Also, be sure to follow us on our Facebook and Instagram pages! Just search Boizelle Insurance Partnership on Facebook and follow @boizelleinsurance on Instagram! We’re here for you!Read more
How to Choose a Deductible for Your Auto Insurance
Not all auto insurance policies are alike. In fact, one of the most important decisions you will make before committing to an auto insurance policy is choosing your deductible. When you have an auto accident, your deductible would be the amount of money that you would pay out of pocket before your insurance policy kicks in.
Here’s an example of how your deductible would work pertaining to your auto insurance. You’re involved in an accident. You then go to your favorite collision repair shop to get an estimate of what the cost would be to repair your vehicle and restore it back to its original state. The people at the repair shop tell you it’s going to cost $3,500 to repair it. Now, let’s say that you have a deductible of $500. Before any repairs will be made by the repair shop, you would be responsible for paying the first $500 of the full cost of repairs. Your insurance policy would then cover the rest. It’s important to note that your deductible only applies to repairs made to your own vehicle.
It is not uncommon for people to typically choose a deductible between $100 and $1,000. Depending on the state, deductibles could range from as low as $100 to as high as $10,000. Our agents can break down your options in simple terms so you can choose deductible that fits your budget.
Some insurance carriers offer something called a diminishing deductible. Erie Insurance is one of those companies. This is a great endorsement that can be added to your policy. For every year of safe driving, your deductible could be lowered by as much as $100 per year of driving without filing a claim on your auto insurance policy. If you keep a consistent track record of no accidents, your deductible to be diminished to nothing. That’s right! Zero!
Whenever you’re involved in an accident, it’s important to remember to get the other party’s insurance information. If you are deemed not responsible for the damage to the vehicles involved, you should file the claim through the other party’s insurance company. And, you will not be responsible for paying your deductible under your own auto policy.
The more money you commit to pay upfront (your deductible), the less your auto insurance premium typically is. If you’re not sure which deductible to choose, don’t worry. One of our agents can guide you through the process.
Before choosing a deductible, you should consider the following:
Life is unpredictable. It’s important to be prepared for the unexpected. One way to make sure you’re ready if a problem strikes is to have money set aside for emergencies. That way, you won’t panic or have to scramble for cash.
As each new year begins, all of us take some time to reflect. We reflect on our goals, our accomplishments, and how our lives have changed. Perhaps you had a goal to go the gym three times a week. Or maybe, you told yourself you were going to travel more. Whatever the case may be, we all have different goals, different needs, and it’s up to us as individuals to have the discipline and tenacity to stay focused on what we need to do to make our lives better for ourselves and our families.
All of us may have resolutions that we set for ourselves as individuals, but how much thought have you given to creating a better life for your loved ones? Let’s talk about how paying attention to your insurance needs can make your life a whole lot easier and more enjoyable, so that you can live each day with the peace of mind you deserve.