Erie sits on the lake that gives the city it’s namesake, so the views can be pretty spectacular in the city! Because the city is so close to some of the country’s major cities (including New York, Cleveland, and Buffalo) it sees a lot of shipping and distribution traffic. While manufacturing still plays a part in the local economy, it’s not as large an economic driver as it used to be, and the city has seen a slow population decline over the past five decades. However, the city’s shopping malls and the nearby Presque Isle State Park bring millions to the city each year. With this influx of traffic comes an increase in auto accident rates, so make sure you’re properly covered! You can usually save money by comparing the options for cheap insurance Erie agents can offer.

The Flagship City

Erie, Pennsylvania is a lakeside town located in Erie County.

Located on the Southside shore of Lake Erie, the large lake gives this community many great values and features.

With about 100 thousand residents, Erie isn’t the largest city, but it is one of the most interesting.

Erie has a large manufacturing community which is where most of the economy of the town comes from.

Erie also has a rich history.

The reason it is called the flagship city is because it was once home to the US Niagara a famous ship.

This town is also a wonderful place to live and raise a family.

With a smaller community, there is plenty of room to run, many parks and an amazing scenery.

The laid back atmosphere of this town is why so many choose to live here.

As a family you can visit the Erie Zoo, Presque Isle State Park and the Waldameer Park which is full of kid rides and family fun events.

Erie gets a lot of snow in the winter and can be quite humid in the summer because of the lake.

It has beautiful four seasons with fall leaves and multiple colors painting the landscape.

The lake sparkles in the sunshine and brings thousands of people happiness.

Lake Erie makes for great recreation in the summer from fishing to swimming.

Erie is a great place to live and is full of richness and culture.

Whether you need car insurance to drive your family around, or whether you are looking for a house to purchase.

You need the best cheap insurance Erie residents are looking for.

Other relevant facts about Erie:

  • Some of the city’s major employers are health care companies and US Dept. of Veterans Affairs, which means that a good percentage of the population may qualify for Group or Affinity discounts (given to members of the armed forces, health care employees, and other professionals).
  • There are also a few colleges and universities in the city which can lead to discounts. If you have a post-high school degree most insurance companies will give you a break on your annual premiums.
  • Aside from the freeways, many commuters use EMTA (Erie Metro Transit Authority) which provides bus service throughout the city. Those commuters who choose to leave their cars at home will usually enjoy lower premiums as well.

How Do I Get Insurance In Erie?

The first thing you should do when searching for insurance in Erie is to talk to a broker.

A broker is a professional who is trained in the field of insurance.

They can link to many insurance companies throughout the United States.

This means they have the ability to find you the best deals by searching through a large field of competitors.

A broker works for the consumer and not for the insurance company so you know that you are in good hands.

You will also want to be educated about the laws of your state.

Every state is different when it comes to what insurance minimums are.

When you know the laws of your state you can better equip yourself for what is to come.

Ask your broker about discounts and which ones you can qualify for.

By bundling your insurance policies together, you can save.

Let’s see what kinds of insurance you might be looking for.

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Insurance Requirements Erie

Car Insurance

Car insurance is mandatory in the state of Pennsylvania.

You need to have a minimum amount of car insurance when you drive and own a car.

You also need a valid drivers license and current registration on that car.

When you have a loan out on a car or truck, you need to have full coverage.

We will go over both minimum requirements and full coverage.

Get the cheap car insurance Erie drivers need today.

Here are the requirements you will need:

  • Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident.
  • Property Damage Liability Coverage: $5,000.
  • Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident*
You can also have more than just the minimum coverage.

You can have full coverage as well:

  • Collision coverage will cover damages to your own vehicles.
  • Comprehensive coverage will cover things like theft and small damages.
  • Towing and roadside assistance is also useful.
  • Medical coverage will cover any of your medical needs.
There are also discounts you could qualify for:
  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts