If you decide to go with Erie car insurance can come with a broad range of coverage options at some very reasonable rates
In most states, licensed drivers are required to carry a minimal amount of auto insurance by law. Choosing from the many insurers on the market can be a long and difficult process, requiring you to compare multiple policies in order to find one that suits your needs. Erie Insurance car insurance can be customized to provide only the coverage options you desire, be it the legal minimum or an expanded array of protections for you and your driving family. Before purchasing a policy from Erie Insurance though, you should take a moment to review just what the company offers in terms of coverage, from basic liability to extra features intended to take most of the financial risk out of driving.
Building up from the basics
Erie Insurance car insurance offers six basic types of coverage for your automobile. To deal with the legal liability requirements of most states, Erie Insurance auto insurance offers both bodily injury and property damage liability coverage. Bodily injury liability coverage covers the costs of treating any bodily injury claims filed against you when you are at fault for a collision, while property damage liability pays to repair any property damage (including damage to other cars) that results from your actions during a collision. Each state has set a minimum required level of both types of liability for licensed drivers. These levels are pretty low and most insurance experts will suggest you get higher levels if you can afford them.
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Because both liability coverage types only apply to others injured or damaged in an accident, you can purchase medical payments or personal injury protection (PIP) coverage to pay for your own injuries or those experienced by others in your vehicle.
Options to consider
Collision coverage can also be purchased and added to your Erie Insurance car insurance policy to cover damage to your own vehicle. Comprehensive coverage is available as well to cover any non-collision damage your car sustains, such as damage from fires, floods, severe weather, animals, vandalism or auto theft.
For those occasions when the other driver is at fault but does not carry adequate insurance, you can add uninsured and underinsured motorist coverage to your policy, which will cover any injuries you obtain from a collision that would otherwise be covered by the other driver's insurance policy.
Even more options
Adding various types of coverage to your auto insurance from Erie Insurance is a good way to cover the collision costs that aren't dealt with by the basic six coverage types. For example, you can add coverage for anything from travel costs that result from being stranded after a collision to the loss of personal property from a crash. You can add a medical payment option to cover the cost to treat any injuries sustained in an accident by you, your family and any other passengers traveling with you at the time. You can even purchase additional coverage for injuries your pets may sustain if they are riding in the car when a collision occurs.
The cost for Erie Insurance car insurance varies according to the state where you live and drive, the type of car(s) you hope to insure, and the amount and types of coverage you choose to add to your policy. You can get more details by speaking with an Erie Insurance representative.
In fact, speaking with a local car insurance agent is an excellent way to have any and all of your car insurance questions answered. An agent will also be able to show you a range of policy options with varying levels of coverage and costs associated with each. Reply! can help you find car insurance agents in your area who will be able to help you deteminre if Erie Insurance car insurance coverage is the right fit for you.