How much will I save on my car insurance?
That will depend on your individual New York auto insurance policy. The state-mandated discount is 10% from the base rate of your collision and comprehensive portion of your policy. Many of our students averaged anywhere from $900 to $1500 over the course of three years after our defensive driving online course completion.
Will the PIRP (Defensive Driving) course prevent my insurance company from raising my premiums?
PIRP (Defensive Driving) does not prevent general premium increases or premium increases due to violations or accidents. The good news is that it provides a 10% reduction for three years, from the base rate of your current liability, no-fault, and collision premiums. So this way you’re always saving money, even if your rates go up!
After I complete the New York Defensive Driving course NY, how do I receive the point reduction?
We will notify the New York DMV after you complete the course. A notice will then be entered on your New York driving record, and the New York DMV computer will automatically reduce your active point total by up to four points. “Point reduction” means the New York department of motor vehicles will not count up to four points on your driving record toward license revocation or suspension. Points must have been applied to your driving record within the past eighteen (18) months to qualify for a reduction program IPIRP. We will also mail you a certificate of completion to present to your insurance company.
Will I save more if members of my family take the course?
Yes, the insurance premium will apply to all motor vehicles principally operated by members of the family who complete the course. Please note that the discount can be applied to only one driver for each covered vehicle. To confirm the exact amount you will save, please contact your insurance agent.
How often do I have to take the course?
You can take the course every three years for an insurance discount. You are allowed to take it for point reduction every 18 months if needed.
Who should take the defensive driving PIRP course?
Each person with a New York driver license listed as a principal operator on an automobile policy must take this course in order to be eligible for a discount.
Example: if a family consists of a husband, wife, and a teenaged driver who own 3 automobiles, all three operators must take the course to be eligible for a discount on each automobile.