Auto Insurance
Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance.
Deductibles
Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.
Discounts
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Multi-Policy
By insuring your auto and home with ERIE, you will receive a discount on your auto premium as well as your homeowners insurance premium.
Multi-Car
If you insure two or more cars with ERIE and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.
Life Multi-Policy Discount
By having life insurance coverage with ERIE, you will receive a discount on your auto premium.
Driver-Related Discounts
Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your premiums even further, including:
Driver Training
If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you will receive a premium discount.
College Student
Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto are eligible for a discount.
Age 55 & Older
Cars driven primarily by an insured who is 55 and over receive a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.
Vehicle-Related Discounts
You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:
Passive Restraints
If your vehicle is equipped with factory-installed automatic seat belts or airbags, you will receive a discount on the medical payments or personal injury protection portion of your premium.
Anti-Theft Devices
You may receive a discount on the comprehensive portion of your premium if your vehicle has active or passive anti-theft devices.
Anti-Lock Brakes
Vehicles with factory-installed anti-lock brake systems on all four wheels are eligible for this discount that applies to bodily injury and property damage coverages.
