Auto
Insurance
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 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.
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.
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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Related
Topics:
 Request
an Appointment
What
to do After an Auto Accident 
Ten
Commandments of Car Care
Safety
Tips for the Road
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