Auto Insurance Value and Discounts

Erie Insurance offers numerous auto insurance discounts on auto insurance policies. Our auto discounts are just one way we keep rates reasonable and fair while insuring your family’s vehicles with the most comprehensive coverage available.

No Auto Policy Surcharges for Safe Drivers

Good drivers and long-term Erie Insurance customers are rewarded with:

• First accident forgiveness plan – If you qualify, ERIE will not surcharge you the first time you’re in an at-fault auto accident.
• Feature 15 – If you’ve been an insured with Erie Insurance for 15 or more consecutive years and caused an auto accident, you will not be surcharged.

Car Safety Equipment Discounts

You can save money on your auto insurance policy if your car is equipped with:

• Passive restraints like factory-installed automatic seat belts or air bags.
• Anti-theft devices, including active or passive anti-theft auto devices.
• Anti-lock brakes on all car wheels.

Insurance Discounts

• Multi-Car Discount – available if you insure two or more cars with ERIE. All of the vehicles must be owned and used by a named insured and/or relatives residing in the same household.
• Multi-Policy Discount – available if you have qualifying home or life insurance policies (not available in New York) from ERIE in addition to your auto insurance.

Other Auto Insurance Discounts

Claims-free drivers may qualify for:

• Safe Driver Discount – A discount is available for new Policyholders who are claims- and violation-free for the past three to five years (varies by state).
• Pioneer Experience Rating Credit (PERC) – If you have been continuously insured with ERIE for at least three years and have a good claims history, a discount is available.

Young drivers may qualify for:

• Youthful Driver Discount – Unmarried drivers under 21 who reside with their parents may be eligible for additional savings.
• Driver Training Discount – Young drivers under age 21 who have completed accredited driver training courses may be eligible to receive this car insurance discount.

Drivers age 55 and over may qualify for:

• Age 55 and Over Discount – The discount is available if the insured is the principal driver of the car.
• Accident Prevention Course – Claims-free drivers (no age restriction in New York) who have successfully completed approved driver improvement courses within the last three years may be eligible for discounts (Illinois, New York, Ohio, Pennsylvania, Tennessee and Virginia).

If you drive your car often, you could save more with:

• Reduced Usage – If your car is unused for at least 90 consecutive days during the policy period, you may qualify. This discount cannot be added retroactively.
• College Student Discount – Unmarried, full-time college students who spend most of the college term away from home, without the use of a car, are eligible to receive this discount.

ERIE’s payment plans provide another opportunity to save money. By paying your auto premium in one lump sum, you avoid charges for monthly installments. Erie Insurance’s auto Policyholders can also save up to 7 percent by selecting Payment Plan A or B (savings vary by state and policy).

Reviewing your car insurance coverage with your Agent each year may identify possible discounts and uncover necessary coverage changes. Talk with your Erie Insurance Agent today or find an Agent near you.

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