Does Erie Insurance Have Good Car Insurance Discounts?

Erie Insurance doesn’t offer an extensive discount selection, but you can still get basic ones like multi-policy, pay-in-full, and youthful driver discounts.
Written by Andrew Biro
Reviewed by Kathleen Flear
Erie Insurance offers several good auto insurance discounts—such as multi-policy, pay in full, driver training, and youthful driver discounts—but they do not offer a wide array of discounts and lack many of those offered by larger insurance companies.
Finding the lowest quote isn’t the only way to save on your auto insurance policy—car insurance discounts could lower your rates even further. Of course, most insurance providers don’t make their entire range of discounts known on their websites, so it’s always a good idea to talk to an agent directly to find out which savings you may qualify for.
So, which discounts should prospective Erie Insurance customers ask about? Let’s take a look.
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What auto insurance discounts does Erie Insurance offer?

Erie Insurance offers a respectable array of auto insurance discounts, which can generally be divided into the following categories: policy discounts based on usage and payment options, discounts for teen and young adult drivers, and safe driver discounts for drivers with a clean record or vehicles equipped with certain safety features.
If you qualify for more than one discount, Erie Insurance will typically allow the savings to stack, which means you could end up reducing your rate significantly.

Erie Insurance policy discounts

Most of Erie Insurance’s auto insurance discounts fall into the category of policy discounts and include:
Multi-policy discount
If you have multiple insurance policies with Erie—such as home insurance and auto insurance, or life insurance and auto insurance—you may be eligible for a multi-policy discount (availability varies from state to state).
Multi-vehicle discount
Similarly, Erie offers a discount to those policyholders who insure multiple vehicles with their company.
Pay-in-full discount
While it’s common to pay for your auto insurance on a monthly basis, Erie offers a discount to those who are able to pay their annual premium in a single, up-front installment.
Vehicle storage discount
If your car is going to be in storage for at least 90 consecutive days of the year, you may qualify for Erie’s vehicle storage/reduced usage discount (Kentucky drivers are not eligible for this discount).

Erie Insurance teen and young adult discounts

Erie Insurance also offers multiple auto insurance discounts for younger drivers—and seeing as teens and young adults tend to have some of the highest rates around, these discounts can be a real lifesaver.
Youthful driver discount
Unmarried drivers who are under the age of 21 and live with their parents qualify for the youthful driver discount.
Youthful longevity discount
Unmarried young drivers who have spent consecutive years under a parent or guardian’s Erie auto insurance policy may qualify for the youthful longevity discount.
College student discount
If your child is attending college and won’t be driving during the time they are away, you may be eligible for a discount.
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It’s also worth noting that, as a young driver ages, their rates with Erie Insurance will gradually get lower each year—as long as they aren’t involved in an accident and don’t accumulate any traffic violations.

Erie Insurance safe driver discounts

Finally, Erie Insurance offers a few discounts that deal with safe driving habits and the installation of certain safety features, as both help lower the risk associated with insuring you and your vehicle. 
Safety features discount
Safety features such as factory-installed airbags, anti-lock brake systems, and anti-theft devices can help reduce your Erie auto insurance premium.
Driving training discount
Drivers under the age of 21 who have completed an accredited driver training course are eligible for a reduced premium.
And while it’s not a discount, Erie Insurance does offer first-accident forgiveness. If you’ve been an Erie Insurance customer for at least three years (depending on the state), you won’t have to worry about your rates skyrocketing the first time you’re found to be at fault for an accident.
MORE: How to get car insurance discounts

Does Erie Insurance have good car insurance discounts?

Generally speaking, the car insurance discounts that Erie Insurance offers are good discountsthey just aren’t all that numerous. If you’re a young person, have more than one policy with Erie Insurance, or plan on storing your vehicle for long periods of time, the limited discounts offered by the company may be appealing to you.
Conversely, you may find that another insurance provider—such as
State Farm
—offers more desirable discounts. State Farm, for example, offers an accident-free discount that could lower your rate by up to 25%, whereas Allstate offers a discount just for owning a new vehicle!
With just nine core discounts, Erie Insurance falls very far behind most insurance companies in terms of available savings, so whether or not the discounts are actually any “good” really depends on how many you’re eligible for. Before you actually buy a policy with Erie Insurance, take time to review their coverage options, talk to one of their agents, and compare quotes from at least three to five other providers to make sure you’re getting the best deal possible.
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Currently, Erie Insurance does not offer a military or veterans discount. If you are an active service member or veteran, USAA is likely your best bet for finding affordable auto insurance.
Regrettably, Erie Insurance doesn’t offer a dedicated senior discount, though that’s not to say seniors can’t qualify for the discounts they do offer. If you’re looking for an insurance company that does offer a senior discount, try getting a quote from Allstate, Progressive, or GEICO.
Of course, if you live in a state that requires insurance companies to offer a senior discount to drivers of a certain age who complete a mature driver course, Erie Insurance will comply.
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