Erie offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Specific age requirements vary, and the discount is only available in states that legally mandate it.
Even if Erie doesn’t offer a mature driver discount in your state, there are still other ways for you to lower your premium. For example, Erie offers a multi-policy discount, which gives a discount to drivers who have a life or home insurance policy with Erie in addition to their auto insurance.
Erie does not advertise a marriage discount, though married drivers do pay less for Erie car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 8% less for Erie coverage than the same driver without a husband or wife. Married people also typically qualify for more Erie discounts, like the multi-vehicle and multi-policy discounts.… read full answer
Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Erie rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Erie policy.
To get a Erie quote, you can go online or call (800) 458-0811.
Yes, Erie offers a defensive driving course discount for drivers under the age of 21 who have completed an accredited driver training course. By voluntarily taking an approved defensive driving course, Erie car insurance customers in eligible states can get a discount, though the exact amount varies between each state. Once the … read full answerdiscount expires, drivers can renew it by taking another course.
Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete.
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 save 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.
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