Features and Discounts (except New York and North Carolina)

What it’s called Who qualifies What it gets you
First Accident Forgiveness Exchange/Preferred Customers No surcharge for your first at-fault accident (Note: Policy must be in force for three years.)
Feature 15 Exchange/Preferred Customers No surcharge for at-fault accidents presented on a Family Auto Policy which has been continuously in force with ERIE for 15 or more years
Pioneer Experience Rating Credit (PERC) Those who have been continuously insured with ERIE for at least three years and have a good claims history A money saving credit which grows over time
Car Safety Equipment Discounts Those who have automobiles with:
  • passive restraints (i.e., factory-installed automatic seat belts or air bags)
  • anti-theft devices, (active or passive)
  • anti-lock brakes on all car wheels
$$ Savings
Multi-Car Discount Those with 2+ cars insured with ERIE (all must be owned and used by a named insured and/or relatives residing in the same household)
Multi-Policy Discount Those with qualifying ERIE home or life insurance policies + auto insurance
Safe Driver Discount New customers who are claims- and violation-free for the past 3-5 years (varies by state)
Reduced Usage If your car is unused for at least 90 consecutive days during the policy period, you may qualify.
Youthful Driver Discount Unmarried drivers under 21 who reside with their parents (Requires driver record eligibility) $$ Savings for Young Drivers
Driver Training Discount Young drivers under age 21 who have completed accredited driver training courses
College Student Discount Unmarried, full-time college students who spend most of the college term away from home without an automobile
Payment Plan Options Any Customer $$ Savings for Plans A & B

Please note: This material is general in nature and for informational purposes only. Coverages, exclusions, limitations, policy terms and conditions, and eligibility for discounts may vary from state to state and are subject to the underwriting guidelines, rates and rules in effect at the time of purchase. Please refer to the policy itself for definitions, coverages, exclusions and other terms and conditions.


ERIE® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products are offered in all states. Policy issuance is subject to eligibility criteria. Go to erieinsurance.com for company licensure and territory information.

Current Customers

If you're a current ERIE Customer and would like to view a summary of your home or auto insurance policy, go to Access My Account.