Many people choose their car or auto insurance policy based solely on rates without ever knowing what they have purchased. At Downing & Gayle we take the time to explain options and affordable car insurance coverages.  We offer monthly payments, online bill-pay, credit card and bank draft options for your car or truck, motorcycle, boat, ATV, Golf Cart, RV, and more.

Multi-policy - Multi-car - Safe Driver - Experienced Driver Discounts and More Available

We welcome Preferred, Youthful, Inexperienced and High-risk Drivers

   Understanding Your Auto Policy

Auto insurance isn’t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy:

• Bodily injury liability: Covers your legal fees, court costs and compensation due to bodily injury claims brought against you.
• Medical payments: Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.)
• Property damage liability: Covers your legal liability for property damage claims brought against you.
• Collision: Coverage that pays for damage to your auto and its equipment caused by collision or upset.
• Comprehensive: Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to, damage from fire, theft, glass breakage, vandalism and damage resulting from contact with persons, animals, birds or falling objects.
• Uninsured and underinsured motorist coverage: Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has insurance limits that are insufficient to cover your damages. Some states require that this coverage also include property damage.

To see a visual explanation of these terms, click here. And, call us anytime you have questions about your coverage. We’re here to help.