If two or more Private Passenger Autos (PPAs) (including “regular use” antiques and classics) are voluntarily insured by ERIE, they may qualify for a discount. They do not have to be insured on the same policy, but they must all be owned and used by a Named Insured or a resident relative. PPAs owned by or co-titled to non-relatives are not eligible for this discount. Autos leased for a period of one year or more are considered owned autos.
Safe Driver Discount
A discount will be applied to a new business policy on which all listed drivers:
- are moving violation free; and
- have had no paid claims, during the three years prior to the new policy effective date.
*Coverages are subject to some limitations, exclusions and conditions. Refer to the specific endorsement and the policy for details. Coverages vary by state.
Auto and Home Policy Discount
All vehicles written on a Pennsylvania private passenger auto policy will receive a discount if the following criteria are met:
- A HomeProtector, Mobile HomeProtector Policy or ErieSecure must be written with ERIE.
- The named insured must be the same on the Pennsylvania private passenger auto policy and the Home/Mobile HomeProtector/ErieSecure policies.
Auto and Life Policy Discount
All vehicles written on a Pennsylvania private passenger auto policy will receive a discount if any driver listed on the policy meets certain criteria on qualifying life insurance policies.
Payment Plan Discount
- Annual (Plan A) – entire premium is paid by policy effective date. The discount does not apply if the option to pay via credit card is selected.
Driver Training Discount
Autos driven by drivers under age 21 may be eligible for a discount. Evidence, showing that the young driver(s) of the insured auto completed an accredited driver training course, must be visually verified by the Agent.
Reduced Usage Discount
(If the Reduced Usage Discount applies, the College Student Discount is not applicable.)
If a PPA, non-restricted Antique Auto, Classic Auto, Special Interest Auto or Customized Van rated as a PPA is not driven for a period of at least 90 consecutive days during the policy period, a discount will be applied.
PA law requires that Financial Responsibility coverages be kept in force throughout the policy period on all registered autos. Because coverage is provided for a full year at a reduced rate, neither the auto with this reduced rate nor individual coverages written on such auto are to be cancelled during the policy period. Only after the Named Insured has actually disposed of the auto will it be removed from the policy.
College Student Discount
(If the College Student Discount applies, the Reduced Usage Discount is not applicable.)
This discount applies to college students age 23 or younger.
College students who spend most of the college term away from home without the use of an auto may be eligible for a discount if certain criteria are met.
Age 55 + Accident Prevention Course Discount
An additional 5% reduction applies to all coverages if all Named Insureds have reached age 55 and all Named Insureds have voluntarily (not required by a court or other governmental entity) taken and successfully completed a motor vehicle driver improvement course approved by the PA Department of Transportation.
Age 55 or Over Discount
Private passenger automobiles principally driven by Insureds who have reached age 55 may be eligible for a discount.
Youthful Driver Discount
The Youthful Driver Discount is a vehicle level discount. The discount is applicable to the vehicle on which the young driver is rated. If there are multiple young drivers in the household that are rated on separate vehicles, each may be eligible to receive the discount, provided the criteria is met.
Discounts for Vehicle Safety Features
- Anti-Lock Brakes Discount
- Anti-Theft Device Discount
- Passive Restraints Discount
100% Farm Use Discount
Private passenger autos used exclusively in connection with the operation of a farm or ranch owned or rented by the Named Insured are eligible for a discount. The auto may not be used regularly in connection with any other business or occupation.
DISCLAIMER: *Coverages are subject to some limitations, exclusions and conditions. Refer to the specific endorsement and the policy for details. Coverages vary by state.