It’s important to get your vehicle covered if used out on the roads. Finding the right coverage that fits you and your car is necessary to save you big when the unexpected happens. This amount is determined by where you live, value of your vehicle, and coverage you can afford.

Auto Coverages:

Almost every state requires a minimum amount of insurance on your vehicle. In states without a required minimum, you are obligated to pay for any damage that happens to your car. The right amount of insurance coverage is the best way to pay this off.


Liability covers any property damage or injuries you’re responsible for. States set minimum requirements of liability but these are too low to cover you fully when damage takes place. This is why it is recommended setting your coverage to a worst-case scenario amount.

Liability coverage is made up of two parts:

  • Bodily injury liability (BI) covers the costs if you injure someone else with your car
  • Property damage liability (PD) covers the costs if you damage someone else’s property with your car

Drivers should have at least $100,000 per person, $300,000 per accident in bodily injury liability, and $100,000 per accident in property damage liability

Comprehensive/ Collision:

To cover your own car, full insurance coverage is needed. Full coverage includes liability along with comprehensive and collision coverages to also cover the damage done to your car. Comprehensive provides coverage for events outside your control that are not caused by a collision, like weather, vandalism and theft. Collision coverage is for damage resulting from an accident with another vehicle or object.

Bundling Auto and Home

One of the easiest ways to save on your insurance costs is by combining your home and auto policies with one company through an insurance bundle. Many of our carriers offer multi-policy discounts with competitive rates including ERIE Insurance. At ERIE, the average savings after bundling is 18%.

Some of our providers also include in full-glass coverage.  If you’ve purchased comprehensive coverage, the deductible for windshield repairs is waived. From a crack by a pebble to golf-ball sized hail, your entire windshield will be replace. 

Additional Features Provided:

  • Diminishing Deductible
  • Loan Forgiveness
  • New Car Replacement 


Categories: Auto