Frequently Asked Questions about Car Insurance

Auto Insurance FAQ – Make informed decisions about your auto insurance.

A motor vehicle accident occurs every second in the US, resulting in more than 31 million accidents per year at an annual cost of almost $100 billion. Theft and vandalism are other major perils facing drivers. In fact, a vehicle is stolen every 20 seconds.

The following FAQ guide was designed by the Independent Insurance Agents of America to make it easier for you to understand your insurance needs and the many options available to you. Though these questions do not represent the provisions of any particular policy, they can serve as a starting point to finding the best policy for your needs. When it comes time to get your policy, contact McCartin Insurance and we’ll help you sort out all of the details.

I’ve been thinking about switching insurance companies. How can I get a quote?

We can provide you with a quote and help with all your auto, home, business or life insurance needs.* Insurance can be a complex issue with many factors affecting cost. Our agents have extensive product knowledge and can help you make informed decisions about your coverage. Use this form to get a free 12-month auto insurance quote online or contact us directly using our office directory.

* Life insurance products are not available in New York.

Besides mailing my payment, which other ways can I pay my auto insurance bill?

For your convenience, we offer many payment options. You can pay by phone, online or through direct debit from your checking or savings account.

ERIE’s Customer Service:
Representatives will accept your payment or assist you in making a payment. Just call 1-800-458-0811 ext. 4 for assistance.

Online: To make an online payment, use Pay My Bill, ERIE’s one-time payment service, to make your payment free of charge from your checking account, savings account, ATM/debit card, or Visa or MasterCard. For more information, review the online bill payment FAQs.

Direct Debit: Payment drawn automatically from your checking or savings account makes paying your insurance effortless. Sign up with your Erie Insurance Agent for ERIExpressPay® or Chek-matic. ERIExpressPay is available for new and existing personal and eligible business policies. (Bonds, Flagship Auto and assigned risk policies are not eligible.) Chek-matic is ERIE’s recurring monthly direct debit programs for life insurance payments.

I’ve been thinking about switching car insurance companies. How can I get a quote on insurance?

We can provide you with a quote and help with all your auto, home, business or life insurance needs.* Insurance can be a complex issue with many factors affecting cost. Our agents have extensive product knowledge and can help you make informed decisions about your coverage. Get a free 12-month auto insurance quote online or contact us directly using our office directory.

* Life insurance products are not available in New York.

Can I make changes to my auto insurance policy online?

Not at this time. Because making a change to your policy may raise other issues, and require additional changes, you should contact your Agent. As experienced insurance professionals, your Agent or agency representative can help you make important decisions about your insurance. He or she can also advise you about how the changes you are making may affect your premium.

Find your agent and contact information here.

What payment plans are available? How can I change my current plan?

We offer a variety of Payment Plan Options to fit your individual needs and preferences. Your Agent can assist you with payment plan changes and inquiries, contact us using our office directory.

My child has just obtained his/her learner’s permit. Do I have to add him/her to our auto policy?

In most cases, no. Only after a driver has obtained his or her driver’s license should the driver be added to the auto policy.

Does my auto policy provide coverage on a rented vehicle?

Yes. An Erie Insurance Family Auto Policy provides coverage when you, or a relative who resides with you, rents a vehicle for personal use for 45 days or fewer. However, the standard auto insurance policy does not cover rental costs. Coverage for a rental vehicle is extended according the terms and conditions of the policy.

When is the cost of my rental car covered?

If you have purchased Comprehensive Coverage on your vehicle, the cost of a rental car is covered in the event of a covered Comprehensive loss. This coverage is $20 per day/$900 per loss. The Virginia coverage limit is $600 per loss. The North Carolina policy only provides this coverage when the vehicle is stolen; $15 per day/$450 per loss is included. Higher limits are available for an additional charge.

If you have purchased Collision Coverage on your vehicle, you may purchase Transportation Expense Coverage at limits starting at $15 per day/$450 per loss in North Carolina and $20 per day/$900 per loss in most other states. Virginia provides $600 in collision rental coverage at no charge. Higher limits are available.

How do I add a vehicle to an existing policy? Can I verify that I am covered?

You should contact your Agent on the next business day after acquiring your vehicle to make any changes to your auto insurance policy.

If you need to verify your coverage during or after normal business hours, contact Customer Service at 1-800-458-0811 between 8 a.m. to 11 p.m. Monday through Friday, and 9 a.m. to 4:30 p.m. Saturday.

An ERIE auto insurance policy provides automatic coverage for additional and replacement vehicles. For liability, the Policyholder must notify ERIE during the policy period. For comprehensive and collision, the lowest deductible applies. If no comprehensive and/or collision coverage, the Policyholder has 7 days of coverage with a $500 deductible.

How can I get an updated insurance identification card/Canada nonresident insurance card?

Your Agent can provide you with these documents. Find your agent and contact information here.

You can also request either of these cards by contacting Customer Service online or by calling 1-800-458-0811 between 8 a.m. to 11 p.m. Monday through Friday, and 9 a.m. to 4:30 p.m. Saturday.

What is the difference between Collision and Comprehensive coverage?

Collision coverage applies to losses that result from a collision with another vehicle or object. It also includes damages caused by uninsured motorists and hit-and-run drivers.

Comprehensive coverage is for losses caused by fire, theft and contact with animals, like hitting a deer. Damage to your windshield is also covered under comprehensive coverage.

Is emergency road service covered by my policy?

Emergency Road Service is an optional coverage that may be added to your Auto Policy. If your car is disabled, ERIE will pay reasonable towing and required labor cost at the site of the breakdown. Contact the provider of your choice and then submit the bills for reimbursement.

How can I lower my auto premium?

There are a number of ways you can lower your auto premium, including:

  • Increase your comprehensive and/or collision deductible
  • Select payment plans A or B and save up to 11 percent (savings vary by state)
  • Purchase a qualifying life policy and save 5 percent (not available in New York)
  • Drive safely and qualify for our Pioneer Experience Rating Credit (PERC) discount or Safe Driver Discount
  • Policyholders with ERIE homeowners policies can save up to 15 percent on their auto premiums (savings vary by state)
  • Purchase a vehicle with anti-theft, anti-lock, and passive restraint features.

Can I get a quote to add another vehicle to my auto policy?

Yes. In about three-minutes, you can get a free 12-month auto insurance premium quote online by providing some basic information. We also recommend that you call your Agent to discuss the quote. Additional discounts, such as the multi-car discount, may apply to the premium.

How can I get a copy of my auto policy?

You may contact your agent using our office directory to get a copy of your auto policy. You may contact our Customer Service Department at (800) 458-0811.

Am I covered if I rent a car overseas?

No. Your auto coverage applies to accidents or losses that occur during the policy period in the United States of America, its territories and possessions, Puerto Rico, Canada or between their ports. Coverage does not extend outside of these areas. However, in Mexico, collision coverage will apply to an owned auto if you have purchased it.

Will I pay more if my child takes my vehicle to college?

ERIE does not offer a College Student Discount if a child takes your vehicle to college. To qualify for the discount, your child must:

  • Be single
  • Be a full-time college student
  • Live away from home during the school year
  • Leave your vehicle at home

Does Erie Insurance offer a discount for teenagers who complete a driver’s education course?

Yes. The driver-training discount applies to drivers under 21 years of age.