- You may be eligible to reduce as many as four (4) points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction.
- If you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.
How to Save on your New York Auto Insurance - New York Defensive Driving Course a.k.a. The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called "course sponsors," throughout New York State. One of such courses the Improv Defensive Driving Online, the only online defensive driving course that uses humor to help refresh your driving knowledge while helping you to save on your insurance. There are two key incentives for New York drivers for completing a defensive driving course.