Whether you’re watching television or surfing the internet, it’s not uncommon to come across a commercial or ad promoting car insurance. Additionally, it’s commonplace to be hit with the all-too-familiar message: “If you switch to our company, you’ll save more on your car insurance.”

Being in the business of selling auto insurance, we understand that price plays an important role when determining which car insurance plan is right for you. However, something that a lot of people overlook is the fact that considering pricing alone leaves you exposed and vulnerable to other issues when you need it most. And, that’s the thing. We want to ensure that you are always properly and sufficiently covered, so that no matter what happens, you can go on living your life with peace of mind.

Coverage is an essential piece of an auto insurance plan. There are certain coverages that may be required due the law specifications of the state in which you live. For example, basic bodily injury and property damage liability coverage is a coverage that is required by law. Other coverages that may be required by state law include collision, comprehensive, and uninsured motorist coverage. The amount of coverage you select for each protection will determine your policy premium, what you are required to pay.

Not all insurance plans carry the same coverages. An auto policy with ERIE includes coverages for pets, personal items, and locksmiths at no additional charge. Roadside Service can be added to your auto policy for just a few more dollars each month.

Your deductible is the amount of money you agree to pay out of your own pocket before you insurance plan kicks in to cover the remaining costs. The higher your deductible is, the lower your annual insurance premium will be. Take some time to choose the right deductible for you. Consider your budget when choosing your deductible. If you add the ERIE Auto Plus endorsement to your plan, your deductible can be reduced by $100 each year you are claim-free.

We are an independent insurance agency that has been in business since 1957. When you call us, you are immediately connected to a real, live, person. You don’t have to suffer through anything automated when working with us over the phone. We understand that your time is valuable. That’s why we prioritize personal service for each client with assist.

An opportunity to save money in any situation is always appealing, isn’t it? When you bundle policies with ERIE, you could be eligible for a multi-policy discount, saving yourself up to 20% (depending on the state in which you reside). Discounts are also available for safe driving, if your car has certain safety equipment, if you have multiple cars, young drivers, as well as making annual payments.

As stated above, we understand that cost does ultimately play a role in your decision. Getting multiple quotes can help you gain the peace of mind you desire and deserve, knowing that you are getting the best value. ERIE offers something called the ERIE Rate Lock feature which allows you to maintain the same costs to your insurance. Even if you file a claim on your auto insurance policy, your insurance rate will not be affected. The only way your insurance rate will change is if you add or remove a vehicle, add or a remove a driver to your policy, or change your address.