No, Erie YourTurn will not raise your rates for poor driving habits. Erie YourTurn users will not see any rate increases for things like hard braking or speeding, good drivers can save up to $10 every two weeks while using YourTurn, too.
Key Things to Know About Erie YourTurn
Erie YourTurn tracks things like acceleration, hard braking, hard cornering, speeding, phone usage while driving and miles driven.
Drivers can use the YourTurn app to track their habits
Not available in KY, NC & NY
Customer reviews of the app average 3.4 out of 5
Minimum coverage from Erie costs an average of $40 per month without YourTurn
Remember that poor driving while using YourTurn will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use YourTurn, Erie itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. Erie learns of such things from your driving record and CLUE report, rather than through YourTurn.
You can lower your Erie car insurance costs by taking advantage of Erie discounts, opting for a higher deductible, and reducing your coverage, among other things. Erie considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Erie
Use Erie’s auto insurance discounts
Erie offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 25% if they have both home and auto policies with Erie. Or you can save on your premium if you pay in-full for your policy.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Erie can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing safe driving habits and avoiding moving violations can help you qualify for lower Erie insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Erie even offers a discount to drivers who take an approved defensive driving course. However, this discount is only available to drivers who are under the age of 21.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Erie uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Erie premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Erie to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Finally, if you’re still struggling to afford your Erie policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
Erie does not offer a good driver discount, but drivers can earn rewards worth up to $10 every two weeks by using YourTurn, the company’s telematics program. YourTurn tracks a driver’s habits on the road, like their acceleration and braking, and determines the exact reward based on the driver’s score.
Good drivers can also benefit from Erie’s diminishing deductible program, known as the Auto Enhancement Endorsement. For each consecutive year that a driver goes without filing a claim, the endorsement reduces their collision deductible by $100, up to a maximum amount of $500. However, eligibility for the program varies by state.
If you can’t qualify for YourTurn or the Auto Enhancement Endorsement, there are still other ways for you to save on your premium. For example, Erie offers a multi-vehicle discount for drivers who insure more than one car on their policy.
Your Erie rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Erie to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Erie may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.… read full answer
Top Reasons Why Erie Raises Rates
New driver or car added to a policy
Recent switch to an expensive car
Relocation to a high-risk zip code
Decline in creditworthiness
How to Lower Your Erie Insurance
If you’re struggling to afford your Erie premium, there are a few steps that you can take to lower your rate. You can start by looking for Erie discounts that you can qualify for, such as the anti-theft devices or anti-lock brakes discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.
Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you’re still getting the best deal.
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