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Auto Insurance Discounts and Customer Incentives

We all love a good deal.

Buy one, get one free. Cashing in on coupons. Happy hour prices. You name it, there’s nothing quite like getting something you want or need at a discounted price.

The same concept applies when it comes to paying for auto insurance…smart insurance shoppers can get good breaks on their premiums.

ERIE Insurance offers a host of discounts on auto insurance, while at the same time providing valuable coverage and service in the event of an accident.

The key is to get the best value for your money based on the coverage you and your family need. It’s important to contact an ERIE agent to make sure you take advantage of policy endorsements and discounts that would apply. That’s especially true when considering life changes or changes in driving habits. For instance, are you driving less? Or are you adding more drivers to the policy?

ERIE Rate Lock®

How often do you get a bill and see that the price has gone up? Luckily, stable car insurance rates do exist.

With the ERIE Rate Lock® feature, your rates will change if you make policy changes such as: add or remove a vehicle or a driver, or change your address or where you usually park your car. This policy endorsement freezes your auto premium year after year, even if you file a claim.

*Note that ERIE Rate Lock doesn’t guarantee continued coverage. It’s limited to three years in Virginia and isn’t available in all states. Also, the premium may change if the policy and its coverages are changed.

Here are some car insurance discounts and customer incentives that might apply to you or others in your family:

Multi-policy Discounts

If you insure multiple cars or have multiple polices with ERIE (life insurance or home policy plus auto insurance), discounts could apply. ERIE offers multi-policy discounts that vary depending on the state where your auto and home are insured.1

First Accident Forgiveness

Everybody deserves a second chance, right? Well, ERIE offers First Accident Forgiveness, meaning you won’t be surcharged the first time you’re at fault in an accident after you’ve been an ERIE customer for three or more years. (The three-year wait does not apply in all states. First Accident Forgiveness does not apply when the Rate Protection Endorsement is on the policy.)2

Diminishing Deductible Option

You haven’t filed any claims and have the record to prove it? Check into ERIE’s Diminishing Deductible option, available in the ERIE Auto Plus Endorsement. For each consecutive policy year in which you don’t file a claim, your deductible will be reduced by $100 (up to a maximum amount of $500). Eligibility varies by state, so make sure you qualify by checking with your agent.

Vehicle Storage

Maybe you want to keep your car out of the bad winter weather, or maybe you’re flying to a warmer destination for a while. Whatever the reason, if you plan to store your vehicle for 90 consecutive days or more, ERIE offers a reduced usage discount in most states. (Not available in Kentucky.)

Safety Savings

“Safety first” is a smart mantra. So, it stands to reason that the safety features in your vehicle will pay off in the form of discounts. Factory-installed airbags, anti-theft devices and anti-lock brakes are some of the safety features that will pay off for you in more ways than one.

Payment Perks

Paying for your auto insurance in installments can be convenient and helpful for the budget conscious. But you get a discount if you pay for your annual premium in one lump sum, up front. (Bonus: you don’t have to worry about another bill for a full year.)

Youthful Driver Discount

It’s not unusual to gulp a bit when that teenager takes the wheel. And then there’s the cost of adding another driver to the policy. But ERIE offers several discounts that could apply to your family if you have new drivers. They include the Youthful Driver Discount, for unmarried drivers under 21 who live with their parents; the Youthful Driver Longevity Discount3, for unmarried young drivers who may get a credit for consecutive years spent insured under another ERIE auto policy (usually a parent’s or guardian’s policy); and the Driving Training Discount, for young drivers under age 21 who have completed an accredited driver training course (not available in KY and NC).

Also, insurance costs will gradually decrease with each successive year that a young driver gains experience without any traffic violations or accidents. At age 24, with the next policy renewal, their rates will lower from a young driver to an adult. (In North Carolina, driving experience factors gradually decrease until the driver gains eight years of experience.)

College Student Discount

College is expensive enough, so look into our college student discount4. If your son or daughter is living away from home while attending school and doesn’t have access to a car, let us know. You could get a discount for the time they aren’t driving.

Auto insurance discounts are great, but you also get a lot of extras with Erie Insurance. The next time you check out your auto policy, look for all the “X’s” in the margins. These are all the “Xtra Protection Features” that are automatically included with your ERIE auto policy when you purchase comprehensive or collision coverage. Here are some of the extras:

  • Time for a road trip? ERIE has you covered if something happens to your car and you find yourself stranded after a covered loss. ERIE offers up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home. That will certainly help with your dinner and hotel room.
  • Your beloved family pet might be traveling with you, and ERIE cares about your dogs and cats. If your pet gets hurt in a covered accident while traveling in your car, we’ll help cover the vet treatment costs up to $500 per pet. (Up to two pets, with a total limit of $1,000).
  • Have you ever locked your car keys in the car? If you find yourself in that unfortunate situation and bought comprehensive or collision coverage, ERIE will reimburse you up to $75 for the cost of locksmith services on the insured car.
  • Say you just bought a nice new TV or finished a round of golf. Your TV or clubs are in the trunk and then — it just figures, right? — someone rear-ends your car. Rest assured. ERIE will give you up to $350 toward your personal belongings not covered by other insurance.
  • You bought a new car and enjoy it so much that you forgot to let your agent know about it. No worries. Just let us know within seven days of the purchase so that you have the proper coverage.

If you have questions about car insurance discounts or ERIE “Xtra Protection Features,” talk to your Agent.

After all, we all love a good deal. And just think, you don’t even have to clip a coupon to get it.

  • 1

    Savings percentages are over individually purchased policies when combined with life and/or personal catastrophe liability policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.

  • 2

    In New York state only it does not have to be an at-fault accident for it to apply to First Accident Forgiveness. Towing claims do not apply.

  • 3

    Applies only to policies in the Erie Insurance Exchange; in OH and WV available only for Preferred policies; in NY only available in the Erie Insurance Company; Discount not available in NC

  • 4

    Not available in KY and NC. Cannot be used in conjunction with the Reduced Usage Discount


Find out if ERIE is right for you. Get a car insurance quote today. An agent will be in touch.