Auto Insurance in Erie, PA

Protect Your Vehicle With Car Insurance Erie, PA 

Erie is a city in Pennsylvania that is situated on the banks of Lake Erie. With a population of approximately 100,000, Erie is a good place for young families and professionals to live. Housing expenses and the overall cost of living are cheaper than in many other nearby cities. The job market is booming, and there are plenty of jobs available to people of various backgrounds. Public transportation is widely available, and there are plenty of recreational activities nearby. Presque Isle State Park is an excellent area for hiking, water activities, and biking. Nearby, Waldameer Park & Water World is a popular place for families to enjoy an afternoon of waterslides and rollercoasters. 

A downside of life in Erie is the relatively high incidence of auto accidents. Luckily, having the proper car insurance Erie PA can help you avoid costly car repair bills if you are involved in an automobile accident.

Car Accidents in Erie, PA

In 2018, one of every 44 people in Pennsylvania was involved in a traffic accident serious enough to be reported to the police. In the same year, there were over 80,000 injuries reported. While the rate of fatal collisions has decreased in recent years, car accidents are still a significant concern for many Pennsylvania drivers. 

Basic personal car insurance Erie, PA, is required to drive your vehicle in the state legally. Basic insurance provides you with some protection if you are involved in an accident, particularly with an uninsured motorist. There are numerous options beyond basic insurance that can provide extra support in case of a severe accident. Read below to learn what types of insurance coverage are available for Erie motorists. 

Recommended Car Insurance for Erie Drivers

Pennsylvania requires drivers to maintain bodily injury and property damage liability coverage to operate a vehicle legally. Bodily injury liability provides financial assistance for medical bills that result from an accident caused by you or the other driver. Property damage liability 
reimburses another individual if your vehicle causes damage to their car or property. 
There are other coverage options available for motorists who want extra protection. These are not required, but many choose to purchase these policy options for the peace of mind they provide. The following optional car insurance Erie, PA coverages can be purchased alongside a basic policy: 

Collision coverage: This optional coverage provides financial assistance if you damage your car in a car accident or a collision with an object such as a tree or a fence. Collision coverage would reimburse you even if you caused the accident. It will not provide financial support for everyday wear and tear, but many policies cover damage from potholes. 

Comprehensive coverage: This optional coverage reimburses you if your car is damaged by an incident other than a car accident. Depending on your policy, events including fire, vandalism, theft, and extreme weather are often covered. 

Glass coverage: Windshield damage is typical in Pennsylvania, especially if you commute on the freeway regularly. Some auto policies provide no-deductible coverage in case of damage to your car’s rear windows, windshield, or side windows. 

Uninsured motorist coverage: While basic car insurance in Erie, PA, is required to operate a motor vehicle, some motorists do not comply with this law. Uninsured motorist coverage provides financial assistance if you are involved in an accident caused by an uninsured driver. This coverage also protects you if you are involved in a hit-and-run accident. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.