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Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.


  • Safe driving discount: If you’re a safe driver with a good driving record, you could get a discount on your auto coverage.
  • Multi-car discount: If we insure two or more of your cars, you could qualify for a discount. (All the vehicles in your household must be owned and used by the driver we insure.)
  • Multi-policy discount: (auto & home)
  • Diminishing deductible: is just one of the ways Erie helps you save.
  • Erie rate lock: Erie Insurance can help you avoid car insurance rate increases with the ERIE Rate Lock® feature.
  • New vehicle replacement: Erie Insurance offers an auto endorsement that makes sure you have adequate coverage should something happen to your new ride. If your new car1 gets totaled, it will be replaced with the newest model year if you’ve had it for less than two years.
  • Better vehicle replacement: The endorsement from ERIE isn’t just for brand-new cars. Here’s another reason to add it to your policy: if you’ve owned your car longer than two years, ERIE will pay the cost to replace it with a model that’s two years newer. That means the coverage is good to have no matter what the age of your vehicle.
  • Reduced usage discount: If you’re not using your car for at least 90 consecutive days during the policy period, you could be eligible for a discount. 
  • Annual payment plan: You can save by paying your auto premium in one lump sum.
  • Auto loan/lease gap coverage: If you’re paying on a car loan or a lease, your car may be valued for less than what you owe. So, if your car is totaled in an accident, gap insurance helps you pay off your loan or lease, minus the deductible.