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Common Insurance Questions, Honest Answers

Have a burning insurance question? If so, chances are the customer advocates in ERIE’s Customer Service department have answered it many times before. Here’s a list of the most common ones they receive via ERIE’s toll-free number and Facebook® page.

I’m buying a car. Do I have coverage?

You'll have automatic coverage for a newly acquired car if you already have a similar vehicle (in this case, a car) on your policy, ERIE insures all your other cars and the new car you buy is titled to the named insured on your existing policy. This applies whether the car you buy replaces an old car or is an additional vehicle.

However, if you're adding something different (for instance, a motorcycle when you only insure a car), that might not apply. The takeaway? Always ask your ERIE Insurance Agent about coverage before you make a purchase.

Discover great rates from local people who care. Get a free auto quote now.

My son lives with me and has a driver’s license, but he never drives my car. Do I have to add him to my auto insurance policy?

Technically, yes. Emergencies happen, and it’s hard to guarantee that he'll never need to drive the car. To keep you and your family protected, all licensed drivers in your household should have their own policy or be added to yours. If you swear that Junior will never drive your car, your Agent or an underwriter may require you to specifically exclude your child from your auto policy. Always check with your ERIE Insurance Agent as not all states offer driver exclusion options.

My claim wasn't covered when my roof sprang a leak. Why?

Since policies differ too much to give a blanket answer, your ERIE home insurance agent should always be the first person you call about these kinds of matters. One thing that’s not covered: routine wear-and-tear. For example, if your roof springs a leak simply because it’s old, you can't expect your policy to kick in like it would for damage caused by a peril like lightning.

If you do file a valid claim, you’ll be glad to have Guaranteed Replacement Cost. This coverage guarantees that you’ll be able to rebuild your home after a major loss without worrying about depreciation, policy limits or insurance construction costs. ERIE automatically includes it as a part of many of its homeowners policies*—and you can purchase an affordable endorsement for the policies that don’t include it.

Does ERIE offer a good student driver discount?

We don’t have a discount by that name, but we do offer the Youthful Driver Discount that can save eligible licensed drivers ages 20 and under up to 20 percent on their car insurance. Plus, drivers under age 21 who complete an accredited driver’s education course may also be eligible for discounts. Check with your Agent to see if your young driver qualifies.

For extra savings, consider ERIE Rate Lock®**. This policy endorsement freezes your auto premium year after year even if you file a claim. Your rate only changes when you add or remove a vehicle or a driver from your policy or change the location where your car is garaged.

Does ERIE have a diminishing deductible?

Yes, through the ERIE Auto Enhancement Endorsement. 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. Eligibility varies by state, so check with your Agent to see if you qualify.

Can you send me a new insurance card?

We can—but it’s also good to know that you can print out a card simply by logging onto your account at

I turned 24 shortly after my policy went into effect. Can you give me the adult rate?

ERIE offers drivers the lower adult rate at age 24—a nice benefit since many carriers don’t offer it until you turn 29. Unfortunately, your policy is based on your age at the time the policy was written or renewed, so we can’t prorate it during the policy period. But know you’ll get the adult rate at your next renewal!

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You like your favorite sports team. You like your alma mater. Heck, you might even like your favorite brand of soap. So why not like your insurance company, too? By clicking the “like” button at, you’ll gain access to information about staying safe, being covered and more. There are sweepstakes and giveaways, too!

Just remember that safety and security reasons prevent ERIE from answering any specific policy questions or comments on a public forum like Facebook®. For those type of things, call or email your Agent or an ERIE customer advocate.

*Guaranteed Replacement Cost requires home improvements over $5,000 to be reported within
90 days. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation may be deducted until repair or replacement is made. Go to ERIESecure or contact your Agent for more information.

**Not available in North Carolina, Maryland and New York. Limited to three years in Virginia. ERIE Rate Lock® does not guarantee continued insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.