Does Erie offer any discounts or incentives for safe driving?

Does Erie offer any discounts or incentives for safe driving? In our Erie Insurance Review, we found that the company reduces deductibles automatically for policyholders who remain accident-free for five years.

If you maintain Erie insurance for 15 years, your rates will not be subject to an increased surcharge if you have an accident.

Erie Insurance also offers a defensive driver discount for teens (under 21 years old) who complete a defensive driving course. For incentives, the company has the YourTurn® Rewards Program and a deductible reduction reward.

This guide explores all of the discounts and incentives Erie Insurance offers for safe driving.

Erie Insurance Deductible Reduction

For each year of safe driving, up to five consecutive years, your deductible reduces by $100. So, if you start with a $500 car insurance deductible, after five years without an accident, infraction, or claim, you will have a $0 deductible.

You may also consider increasing your deductible to lower your Erie car insurance rates if you know you can qualify for a reduction every year.

Erie Insurance Discount for Safe Driving with the YourTurn® Rewards Program

Erie offers a unique rewards program called YourTurn®.  Auto insurance policyholders download the smartphone app and sign up for the tracking service. The app monitors your driving behavior. The company gives cash rewards every two weeks for safe driving,

How the Erie YourTurn® Program Works for Safe Drivers

After collecting two weeks of driving data, the program analyzes driving behaviors to determine driving smoothness. Your score will be better if you do not use hard braking, rapid acceleration, and hard cornering.

If you obey the speed limit, you will get a better score. The app also tracks phone use while driving based on movement and screen activation, and not using your phone while driving decreases distracted driving, improving your score.

Within the first month of using the app, drivers reduce phone distraction by an average of 30%. Hard braking decreases by 20%, with a 20% reduction in at-risk speeding.

The app features include your trip scores that show a list of recent trips and the score for each one. An optional feature lets you see your family members’ scores and view their latest location.

There are leaderboards to show how you rank against peers for phone distractions and speeding. You can monitor how you are trending, compare your best scores with others, and get cash rewards for achieving high scores and digital badges as milestones for safer driving.

The cash rewards are paid for the high scores every two weeks and posted to your choice of 25 gift cards. Alternatively, you can donate your earned rewards to charity.

Erie Insurance Driver Training Discount for 21 and Younger

If you are a young person under the age of 21, you can get a discount on Erie auto insurance by passing an accredited defensive-driving course.

Erie Insurance will ask for a certification proving young drivers passed the course, but this discount can help save money when searching for the best auto insurance for young adults.

Other Car Insurance Discounts from Erie

Erie has other discount programs, too. For example, you can save money by bundling insurance policies. Erie offers up to 20% off your car insurance rates if you bundle your Erie home and auto policies, and you can combine these savings with Erie safe driving discounts.