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. To ensure that you have the proper
protection, there are a number of ways that you can reduce the cost of
your auto insurance premiums while obtaining the coverage that you need
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
- 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 this discount.
- Age 55 & over – 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.
- Good Student – Reward for those better than
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 premiums.
- 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 coverages.
If you are interested in obtaining more information
or an auto quote, contact us.
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