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.

Package 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 a discount.
• Age 55 & older – 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 principle 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 premium.
• 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.