Premier Choice Auto with Accident Forgiveness

Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. Policy provisions, exclusions, conditions, and terms apply. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.

1. Applies to accident losses related to Collision, Comprehensive/Other Than Collision, and Uninsured Motorists Property Damage coverages only; waives up to $500 of the related deductible per policy period; waives one eligible accident in a policy period; any one eligible accident in a policy period will not affect the policy’s rates at renewal. Once used, eligibility for the surcharge waiver resets in 36 months.

2. Terms and conditions apply.

3. Emergency roadside assistance services are provided by Quest Towing Services, LLC; terms and conditions apply.

Premier Choice adds another year and 15,000 eligible miles for replacing vehicles up to two years old with 30,000 or fewer miles on the odometer with a new version of the same make and model. Claim payments are not reduced based on the vehicle’s depreciated value.²

Using aftermarket parts for repair can reduce the value book value of your vehicle. OEM parts mean you can be assured of equipment usually made of superior materials and that's warrantied, readily available, and tailored to the vehicle.

Premier Choice doubles vehicle age eligibility for Original Equipment Manufacturer parts repairs from two years to four years, and extends the mileage eligibility criteria from 24,000 miles to 50,000 miles.²

Premier Choice's upgraded Towing and Labor coverage pays up to $125 per incident and includes unlimited use of six types of Emergency Roadside Assistance Services.³

Being stranded when you're away from home and your vehicle has a mechanical breakdown or is damaged in an accident and needs repair before it can be driven could get very expensive very fast.

If it takes more than 24 hours for repairs, you’d have to pay for meals and overnight lodgings for yourself and accompanying family members.

Premier Choice includes Trip Interruption coverage that pays up to $600 for these types of additional of expenses if your vehicle breaks down or is in involved in an accident and becomes undriveable when you are 100 or more miles away from home.²

Premier Choice caps your out-of-pocket expenses for the repair or replacement of auto glass at $50, so you don't have to meet a high Comprehensive/Other than Collision coverage deductible.