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Your automobile is a vital part of your every day life. Next to your home, your vehicle is often the most expensive personal property you own. For these reasons, you must have both the appropriate coverage and best value when seeking 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 including:
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.
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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.
- Accident Prevention Course (IL, NY, PA, TN, VA only) – If the principal 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.
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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.
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If you are interested in obtaining more information or an auto quote, Contact Us. |
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