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Erie Insurance Group Car Insurance Discount Programs

The Erie Insurance Group offer several car insurance discounts for qualified drivers. Safe drivers, young drivers, old drivers, and many others can take advantage of special rate discounts to help keep their insurance costs down.

Accident Forgiveness

The Erie accident forgiveness program applies to anyone who has remained accident free for a certain period. If you qualify, your car insurance premium will not be raised if you are found at-fault for an accident. This discount only applies to the first accident after several years of avoiding accidents. If you are involved in an accident that is deemed the other driver's fault, your insurance will not be impacted in any way and you will retain your eligibility for the accident forgiveness program.

Loyalty Discounts

Erie offers a special discount for drivers who have been insured by the company for 15 consecutive years or longer. Depending on state regulations, Erie will waive your accident surcharge if you are involved in a collision. This offer is not available in every state. You will need to check with an Erie insurance agent to see if your state qualifies for the surcharge discount. This discount only applies for customers who have been continuously insured with certain kinds of coverage, as well. Your Erie agent can provide more details about the loyalty discounts available to long-time customers who maintain good driving records.

Safety Equipment

Any driver can earn a safety discount through Erie simply by adding safety features to their car. Automatic seat belts that are installed by the factory will earn you a safety equipment discount. You can also earn a discount for installing anti-lock brakes on all four wheels. Anti-theft devices qualify as safety equipment, as well. The discount applies for any type of alarm system or steering wheel lock that would make your vehicle a more difficult target for thieves. Anything you do to make your car safer on the road or less likely to be stolen could be worth a noticeable discount since it will reduce the risk of you needing to file a claim.

Multi-Car and Multi-Policy Discounts

If your household owns two or more cars, you can earn a discount by having all of the cars insured through Erie. Each insured car must be owned by the individual who carries the original Erie policy or a relative of that individual. Qualified cars must show the same location as their owner's permanent residence. Drivers can also earn a discount on their car insurance if they purchase more than one type of insurance through Erie. You can purchase home insurance or life insurance through the same agent that handles your auto insurance.

Discounts for Younger Drivers

Younger drivers traditionally pay some of the highest insurance rates. Erie offers some discounts to try to bring those rates down for drivers who qualify. A driver that is 21 years old or younger and unmarried who still lives at home with his or her parents can qualify for the Youthful Driver Discount. Drivers who are 21 years old and younger can also earn a discount by attending a driver-training course that is approved by Erie. You must present a certificate of completion to your Erie agent in order to receive this special younger driver discount.

Discounts for Older Drivers

Older drivers can also earn discounts with Erie. When the principal driver of the insured car turns 55, an automatic discount is applied to the account. Older drivers who don't have any claims against their policies can earn a special discount if they complete an accredited driver-training course. New Erie customers who are 55 years old or older and have successfully completed one of the approved training courses within the past three years will immediately qualify for this car insurance discount when they sign up for an Erie car insurance policy. This offer is only available in certain states. Check with your Erie agent about your state's eligibility.

Lower Mileage Discounts

The fewer miles you drive, the lower your risk of being involved in an accident. Drivers who agree to only drive a specific number of miles during the year can qualify for a special low mileage discount. College students who store their vehicles at home when they go away to college can also qualify for a discount. Students have to be unmarried and attend school full time at a location away from home in order to receive the college mileage discount. Students who drive while attending school are not eligible for the discount.