The electron transfer rates at the steady state are evaluated in terms
of the Gaussian wave packet motion on free energy curves in the two-
and three-surface models in the presence of inertial effects. The auto
correlation functions of the solvent polarization coordinate are fitte
d to the results of recent molecular dynamics simulations. It is found
that the inertial effects are particularly important for the electron
transfer processes in acetonitrile and water. They constitute an impe
ding factor in the wave packet motion. The neglect of the inertial par
t of the solvent autocorrelation function gives underestimation of the
electron transfer rate coefficient.