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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 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. 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. Accident prevention course (IL, NY, PA, TN & VA only) – If the principle operator is age 55, you may receive an additional discount in these states if you voluntarily and successfully complete an approved motor vehicle accident prevention course. 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 air bags, 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 the bodily injury and property damage coverage's. |
