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North Huntingdon, Pennsylvania Car Insurance

North Huntingdon, Pennsylvania Car Insurance

Erie auto insurance

We offer a Simple Auto Insurance Comparison and the process couldn’t be any simpler. 

  • Get an instant Erie Car Insurance Quote by clicking this link.
  • Describe your household and vehicles and submit your quote request to our agency
  • A local agent will follow up by phone verify coverage and then email you a qualified quote.  

Auto insurance policies from Erie Insurance include extras such as:

  • Rate lock, which lets you lock in your auto insurance rates until you add or remove drivers, add or remove vehicles, or move.
  • Accident forgiveness, which prevents you from facing a surcharge after your first at-fault accident once you’ve been an Erie customer for three years.
  • Diminishing deductible, which reduces your deductible by $100 for every consecutive year you don’t file a claim, up to $500.
  • Pet injury coverage: Up to $500 each for veterinary care for pets injured in your vehicle in an accident, up to $1,000.

Erie offers additional auto insurance options like:

  • New car protection: If you have a car up to 24 months old and it’s totaled, Erie will replace it with a new car of the current model year.
  • Better car protection: If your car is at least 24 months old and is totaled, this coverage will pay for a car of the same make and model two years newer, or it will pay off the auto loan if there is one. This coverage isn’t available in every state.

Generous rental car coverage and options: Most auto insurers offer rental car coverage at an extra cost, so you have a way to get around if your car is in the shop for covered damage. Erie includes the basic coverage free in its comprehensive coverage, but you can pay up for upgraded rental options, such as a luxury car or SUV instead of a sedan.

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Pittsburgh and Westmoreland County, Pennsylvania, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

Auto/Car Insurance Coverage Pittsburgh and Westmoreland County

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage (required in Pennsylvania)

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

First Party Injury Protection

Some states offer Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Our professional auto insurance agents in North Huntingdon Pennsylvania, including the Greensburg, Irwin, N. Huntingdon, Pittsburgh, and Trafford areas, can assist you in finding the right car insurance you need.