Accepted by ALL Insurance Companies, TLC, DMV
Guaranteed and simplest way to save on your auto insurance policy and keep those extra points off your record.
Our DMV-approved NY Defensive Driving Online Course (Internet Point & Insurance Reduction Program, a.k.a. IPIRP) is the simplest and easiest way to get the job done. Complete it all at once or a little at a time in bite-sized, humor-powered lessons you can start and stop anytime over 30 days.
New York drivers receive a 10% discount on the base premium of their liability and collision coverage for three full years after completing a DMV-approved Point & Insurance Reduction Program (PIRP).
You may retake an approved course once every 3 years to keep the 10% discount active.
Yes. State law requires every licensed auto insurer in New York to honor the 10% reduction for drivers who complete a DMV-approved PIRP.
No, only the driver who completes the course gets the discount. Each primary driver assigned to a vehicle needs to take the course to maximize the discount. Take advantage of our Family Discount pricing when registering.
No, it all means the same thing. PIRP stands for Point and Insurance Reduction Program; iPIRP refers to the online version versus classroom, and “Defensive Driving” is a catch-all phrase most people use. You may also hear it referred to as a Premium Reduction Course, DMV Course, Traffic School, etc. We don’t care what you call us, as long as you call us 😊
No. If you’re getting your license for the first time in NY and have never been licensed in the United States, you will need to complete a Pre-Licensing Course first. But once you get your license, we strongly encourage you to come back and take this course, as your premiums will be at their highest as a new driver.
The DMV subtracts up to four points from the total used to calculate penalties for violations that occurred in the 18 months prior to course completion. These points are only reduced for penalty assessment purposes—they will still appear on your driving record but will not be counted toward license suspension.
Yes. Dropping up to four points can move you below the suspension threshold, keeping your driving privileges intact.
The points stay visible, but the DMV ignores up to four of them when tallying penalties such as suspensions and Driver Responsibility Assessments.
Any time—just remember that only violations within the past 18 months count toward the four-point reduction.
Yes. Our course is fully DMV-approved and delivers the same benefits as any classroom PIRP.
We electronically report to the DMV weekly; once processed, your driving record reflects the lower point total automatically.
Both options exist, but the online version is DMV-approved and lets you study anywhere, anytime.
State rules require 320 minutes (about six hours) of instruction. This is the minimum time that is required by the state and is the same for all courses in classroom or online. Online, you control the pace and can finish in one day or in up to 30 days. Complete all at once or in small bites over time—you are in control.
No. There are 2–3 multiple-choice questions at the end of each chapter to make sure you’re paying attention. If you don’t pass the first time, you can retake it. No surprise questions—if you can read this, you can pass the quiz.
Yes. Log in and out as needed; progress saves automatically across devices.
Absolutely not. Break it into snack-size sessions—or power through in one shot. Start in the morning with your cup of coffee, do a little at lunch, take it at the park on your phone… you decide how and when, as long as you complete it within 30 days.
Yes, take the course on any device—desktop, mobile, or tablet. You can also switch between devices, and your progress is saved.
Not even close! While New York State mandates a minimum time and required topics, how that content is delivered makes all the difference. Most courses are dry and forgettable—we’re the only one that uses humor and real-life storytelling to keep you engaged. Defensive driving doesn’t have to be boring. Ours isn’t.
Yes! We partnered with the legendary IMPROV Comedy Club to create a course that’s both effective and entertaining. Our program is built on behavioral science and is fueled by fun. Because learning sticks better when you’re actually enjoying it.
Any driver holding a valid New York license can enroll—savings are guaranteed by NY state law.
CDL and fleet drivers may take the class; insurance discounts apply to the personal auto, while point benefits depend on employer or carrier rules.
Yes. If you are getting a new or renewing an existing HACK license with the NY Taxi and Limousine Commission (TLC), this course is accepted by the TLC as part of your defensive driving requirement.
Yes, you can take this course to meet NY court or county attorney requirements. Extra benefit—you will still qualify to get a discount on your personal auto.
You must have an active license for point or insurance benefits. But you can still receive the insurance discount if you have an active insurance policy and are listed as a primary driver.
Yes—once every 18 months for point reduction and once every 36 months for the insurance discount.
Yes, you need a NY license for points or insurance benefits. Out-of-state drivers are welcome to take the course, but won’t receive NY-specific perks.
Since you have a New Jersey license, you must take a NJ-approved course. Luckily, we have a similar course with similar benefits approved in NJ – NJ Course Info.
Definitely. Anyone with a valid NY driver’s license qualifies to receive a 10% discount. Considering that premiums are much higher for new drivers, your savings can be even greater.
We e-file your completion with the DMV; you’ll also get a certificate mailed via first-class USPS to hand to your insurer. If you don’t receive your certificate within two weeks, reach out to our support team!
Unfortunately, we can’t predict mail times, but we do mail your certificate the next business day after course completion. Standard mail arrives in 7-14 business days. DON’T STRESS—your savings start retroactively from your course completion date, not the day your certificate is received.
New York state requires a physical certificate to be mailed; you will not receive a digital certificate.
Nope. Your completion is good for 3 years (36 months). If you switch insurers, simply show them a copy of your original certificate and you’re good to go—keep it in a safe place!
Contact support for a free reprint.
Yes. Courts, Fleets, TLC, and insurers accept our DMV-approved certificate as official documentation.
We combine brief security questions with quick facial-recognition snapshots via your device camera. If you know how to take a selfie, you’ll do fine.
No extra software—just the built-in camera on your phone, tablet, or computer.
You’ll create a few personal Q&As at signup. We’ll use them in random check-ins to make sure it’s still you (not your AI friend). Questions are simple—like your favorite color. We recommend writing them down, so you remember them when it’s time to answer.
Yes. Facial data is encrypted, used only for real-time verification, and purged according to privacy regulations.
No. What you see is what you get. Your upfront price covers the full course, shipping, mailing, and even the cost of the DMV certificate (many other courses charge extra for it).
Yes. We offer Satisfaction Guarantee pricing—if at any time before your certificate is issued you change your mind, just drop us a note and we’ll refund you 100%, no questions asked.
Relax—take a deep breath, quickly review the chapter material, and take it again. These multiple-choice quizzes are super easy—you got this.
Absolutely. Phone, chat, and email support are open seven days a week. You can even text us. You’ll find all our contact information at the bottom of this page.
Any modern browser and a stable internet connection—Wi-Fi or cellular—is sufficient.
Use “Forgot Password” on the login page or contact support; your progress is safely stored.
Click live chat in the course, email support@myimprov.com, or call the toll-free number on your dashboard for immediate assistance.
$69.95
$35.95
Looking to lower your insurance or reduce points? Take this DMV-approved 6-hour course—fun, flexible, and 100% online.
Need to meet TLC license requirements? Complete this DMV-approved 6-hour course for professional New York drivers.
Got a traffic ticket in New York? Satisfy court requirements and protect your record with this state-approved 6-hour course.
Prefer in-person training? Join our DMV-approved defensive driving class in New York—same benefits, live instruction, and no final exam.
New York DMV Approved
Approved by the NY Department of Motor Vehicles
This approval ensures that we meet the highest standards of
quality and
reliability for our users.
Visit the NY DMV Official Site
ACCEPTED BY ALL INSURANCE CARRIERS IN NY AND NJ
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