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What Auto Discounts Are Available?

April 22nd, 2021 by

Everybody wants to save money. Here are some ways you can do that, by taking advantage of auto insurance discount and programs.

Discounts for Younger Drivers

Ask for the Good Student Discount
If your teenager maintains at least a 3.0 grade point average (GPA), some insurance carriers offer a rate discount.

Driver Training Discount
Most insurance carriers offer a driver training discount if your teenager completes 30 hours of classroom training and/or 6 hours of driving.

Student Away at School
If your child does not need access to a vehicle while away at school, you can save money from some insurance carriers with this discount. You don’t need to add and remove your child from your insurance policy every time they come home for a visit, too.

Weigh Your Buying Decision
Wanting to get your teenager a new car to drive with the latest safety equipment is understandable, but you may be better off purchasing a safe, used vehicle in terms of premium prices.

Another feature of purchasing an older, reliable vehicle, is that you may consider only carrying liability coverage and not physical damage coverage. This also helps lower the premium.

Discounts for Adult Drivers

Erie Insurance offers these discounts, which also apply to some other insurance carriers.

Multi-Car and Multi-Policy Discounts
If you insure multiple vehicles or have multiple polices (life insurance, home insurance, etc.), you could receive a discount. 

First Accident Forgiveness
Everybody deserves a second chance, right? Erie offers First Accident Forgiveness, meaning you won’t be surcharged the first time you’re at fault in an accident after you’ve been an Erie customer for three or more years.

Diminishing Deductible Option
You haven’t filed any claims and have the record to prove it? Contact us to learn about Erie’s Diminishing Deductible option, available in the Erie Auto Plus Endorsement (fee applies). For each consecutive policy year in which you don’t file a claim, your deductible will be reduced by $100 (up to a maximum amount of $500).

Vehicle Storage
Maybe you want to keep your car out of the bad winter weather, or maybe you’re flying to a warmer destination for a while. Whatever the reason, if you plan to store your vehicle for 90 consecutive days or more during the same time each year, Erie offers a reduced usage discount in most states.

Safety Savings
Factory-installed airbags, anti-theft devices and anti-lock brakes are some of the safety features that will pay off for you in more ways than one.

Payment Perks
Paying for your auto insurance in installments can be convenient and helpful for the budget-conscious. But you get a discount if you pay for your annual premium – another word for the price of insurance – in one lump sum, up front.

Enroll in the YourTurn® Program
You can earn rewards for safe driving. Check it out.

Contact us to see if you're eligible for an auto insurance discount.

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Mythbusting Travel Insurance

April 7th, 2021 by

Travel Insurance Overview

Before we talk about some of the myths of travel insurance, let’s first define it.

Travel insurance can protect against the loss of non-refundable travel costs, such as airfare, hotel and tour expenses. Other types of travel insurance offer protection against losses due to medical emergencies, damage to personal property and death, which may occur away from home on vacation.

Major Types of Travel Insurance

Trip Cancellation/Delay/Interruption Insurance/Any Reason

  • Trip cancellation: Reimburses you for pre-paid travel expenses if you aren’t able to take your trip because you or a family member becomes ill, contracts COVID-19, or dies.
  • Travel delay: Reimburses you for pre-paid expenses if you aren’t able to take your trip because of a travel delay, such as a flight delay or cancellation.
  • Trip interruption: Reimburses you for pre-paid expenses if your trip is cut short because you or a family member become ill or die or because of any other misfortune listed in policy. Covered reasons might include bad weather, airline strikes, terrorism, bankruptcy, jury duty or damage to your home.
  • Cancel for any reason: Reimburses you up to 75% for pre-paid expenses for any reason.

Medical/Accidental Death Insurance

  • Emergency medical expense: Reimburses you for medical and emergency dental expenses that you have because of an illness or injury while you’re traveling.
  • Medical evacuation: Provides emergency transportation to take you either to a hospital near your area of travel or for transportation back to a hospital near your home.
  • Accidental death: This coverage is usually split into three parts:
    • Air flight accident: Covers death or dismemberment during flight only.
    • Common carrier: Covers death or dismemberment while traveling on public transportation such as a plane, ferry, train, bus or taxi.
    • Accidental death: Covers death or dismemberment at any time during a trip.

Travel Insurance Myths

Myth # 1 – My medical insurance will cover me

Travelers often overlook travel insurance when booking their trips, thinking they are already covered by their employer’s medical insurance. This may be true for some plans, but for others, injuries or illnesses suffered while abroad may not be covered. It’s important to check with your insurance provider to see what’s covered before you travel. For situations in which you are not covered, travel insurance can help fill the gap.

Myth # 2 – Travel insurance is only needed if I travel outside the US

You might think that travel insurance is only necessary if you travel abroad. But a good rule of thumb is the more your trip costs, the more you need travel insurance.

Think of a destination wedding or honeymoon to your favorite state. These are once-in-a-lifetime events. If you get sick beforehand or if your wedding venue burns down, travel insurance protection can help.

Myth # 3 – Nothing will happen to me while traveling

Here’s an actual true-life story about Bill and Martha:

On a recent trip to Japan, these experienced world travelers got more adventure than they bargained for. While attempting to position himself on a ledge for the “perfect” photograph, Bill lost his footing and suffered a severe leg injury.

Bill was rushed to a nearby hospital for medical treatment. During his recovery, the couple racked up huge medical bills and incurred a host of unexpected travel expenses.

Thankfully, the couple had invested in travel insurance prior to the trip. The policy ended up saving them thousands of dollars in hospital, evacuation and medical expenses.

Will you be traveling soon? If so, contact us to discuss travel insurance.

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Mythbusting Gig Work

March 10th, 2021 by

If you've got a side hustle, let's chat.

The rise of the gig economy has made it easier for you to have a gig – work that you perform in addition to your primary job. But what does this mean from an insurance standpoint? Let’s break down some common myths.

Myth #1 - "I drive for Door Dash/Uber/Lyft. My auto insurance covers me."

If you’re thinking about driving for Uber, Lyft, Door Dash/Uber Eats, etc. we should chat. A lot of people have started using these jobs for supplemental income, or even as their primary job. But, before you get behind the wheel and pick up your next passenger or deliver your tasty food, it’s important to be sure that you have the right insurance. Your personal auto policy might not be covering you.

Myth #2 - "I rent out my home. My homeowners insurance covers me."

Homeowners insurance generally covers a home and the family that lives in that home. However, if a renter uses the home for even a small amount of time, the home and family will be exposed to significantly different risks that were not considered when the policy was drafted. You may need a different insurance policy in a situation like this.

Take a look at these tips if you are thinking of renting your home.

Contact Us

There’s a lot to consider when working a gig job. Contact us today so we can discuss the right coverage for you.

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Renters Insurance Myths

March 4th, 2021 by

Renters insurance exists to not only protect the belongings in your home, but so much more. There are so many misconceptions when it comes to what renters insurance is and what it covers. Here are some common myths (and realities) about renters insurance. Contact us to learn more about renters insurance.

Myth: I don’t have enough valuable personal items to warrant renters insurance.
Reality: Items add up fast! Your electronics, appliances and clothes are all large expenses that can be protected under your policy.

Myth: My landlord’s insurance will cover the damages to my belongings.
Reality: Typically, a landlord’s insurance policy only covers the physical structure—not anything that’s within your walls or another tenant’s.

Myth: My personal belongings are the only things covered under renters insurance.
Reality: Renters insurance can also cover damage to someone else’s property within your home. And, depending on the limits of your personal liability coverage, it can help cover some or all of the medical expenses if someone happens to get injured on your property.

Myth: I can’t afford renters insurance.
Reality: Renters insurance can be incredibly affordable. Although pricing can always vary, some policies can cost less than $25 each month.

Myth: Renters insurance doesn’t cover that much.
Reality: A good renters insurance policy will cover things like:

  • Personal property coverage: This helps cover the costs to repair or replace belongings that are damaged or stolen due to a loss covered under your policy. Furniture, electronics and clothing can all be covered under personal property coverage. Although landlords typically have a form of property insurance, their policy does not usually cover any personal property within your living space.
  • Additional living expenses: If the apartment or home you’re renting becomes uninhabitable, your renters insurance policy can pay for your relocation costs as well as anything considered an extra expense under the policy—such as laundry, meal or storage-related costs.
  • Personal liability coverage: If someone is injured or their personal items are damaged on your rented property due to negligence, personal liability coverage can help pay any medical bills or damages, up to your policy limit.

Contact an Advisor today

To learn more about Renters Insurance and find out if you have the right coverage.

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Mythbusting Winter Driving

January 14th, 2021 by

Mythbusting Winter Driving

Living in the northeast means you’ll probably encounter winter driving conditions. What should you do to be prepared? Let’s do some mythbusting.

Myth #1 - "It's the same as summer driving."

There are lots of things you have to consider when driving in winter conditions. Take a look at the video above to learn 8 tips for safe winter driving.

Myth #2 - "If I start skidding, I'll just slam on the brakes!"

Remember these tips to avoid a dangerous accident when roads are slick:

  • Slow down before reaching curves and turns. 
  • Plan ahead for lane changes by checking in your rearview mirror and your blind spots to make sure the other lane is clear. Make this move with the smallest possible steering changes and with a light foot on the gas.
  • Watch out for ice patches or piles of wet leaves on overpasses and in shady areas. 
  • Increase the following distance behind the vehicle in front of you.
  • Anticipate stops by slowing down gradually, well ahead of intersections. Also be aware that approaches to stopping areas will be slick because of excessive starting and stopping traffic.
  • Use only a light foot on your gas pedal when driving in heavy snow.

If you go into a skid:

  • Do not steer against the skid or hit the brakes.
  • Steer in the direction that your vehicle is sliding until you feel your wheels recover traction.
  • If you must, apply the brake carefully so that you do not lock your wheels and intensify the skid.

 

Myth #3 - "If I get stuck, I can just call someone."

In the event that an emergency happens on the road – such as a flat tire, vehicle breakdown, adverse weather or empty gas tank – it’s important to be prepared. You may not be able to call someone right away, or your help may arrive later than expected. That’s why it’s important to pack your vehicle with a roadside emergency kit. Consider the following guidance on what to include in your roadside emergency kit.

Be sure to stock your roadside emergency kit with these important items:

Get Familiar with Your Kit

Before you need to use your kit in an emergency situation, it is wise to thoroughly familiarize yourself with its contents. Take the time to review how each item in your kit will assist in an emergency, and ensure that you know how to use the contents properly and safely.

Contact Us

For additional driving safety tips and auto insurance solutions, contact us today.

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I was in a car accident. What do I need to do?

March 1st, 2020 by
  1. Remain at the scene. Don’t admit fault.
  2. Find a safe location, call the police, and exchange driver information.
  3. Call us right away 215-723-4378 and we will assist you in submitting your claim.

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