Auto Insurance

What is covered on an auto insurance policy?

The minimum amount of Liability coverage you must carry is determined by the state of Indiana.  The PROPER amount of coverage you should carry is something we should talk about.  Liability insurance helps protect drivers when they’re responsible for an accident that injures other people or damages another person’s property. Drivers are required to have this coverage in nearly every state.

 Optional coverages (or what some people call “full coverage”) include:

  • 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. 
  • 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.
  • 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.
  • Additional coverages such as towing and loss of use (car rental) can also be added to your policy.
  • Coverage factors: Depending on what level of coverage you opt for; the cost of your insurance will vary. Your past driving record, credit rating and level of coverage could all affect how much your policy costs.

How good is the insurance company offering the policy?

It’s important to evaluate the reputation of the insurance company you are considering. Companies worth doing business with should have a prompt response time, be good at dealing with claims and have superb customer service.

Since 1925, Erie Insurance has been providing the protection you need and the service you expect – all at a great price. See why more than 90% of customers stay with us year after year.