New York Drivers pay some of the highest insurance rates in the country. However they are also fortunate to live in a state which is one of the very few in the nation that mandates insurance companies to reduce drivers premium.  There is a caveat: a driver must complete a NY DMV approved Defensive Driving Course.  The good news you don’t have to spend six hours in a class.  Courses like ours, Improv Defensive Driving Course, are available online and can be taken at your pace.  Below are a few common questions about the course:

Q.  After completing the Defensive Driving  Course (aka as PIRP – Point and Insurance Reduction Course), how do I receive the insurance reduction?

A.   Upon completion Improv’s Defensive Driving course, we will issue you certificate of completion.   If you present your certificate to your insurance company or agent within 90 days after course completion, your liability and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you present your certificate more than 90 days after course completion, the insurer may issue the premium discount effective from the date presented.

Q.  Will the PIRP course prevent my insurance company from raising my premiums?

A.  No. Insurance reduction does not prevent general premium increases, or premium increases due to violations or accidents. However It provides a 10% reduction for three years, from the base rate of your current liability, no-fault and collision premiums.

Q.  What if more than one person named on a policy completes the PIRP course?

A.  The insurance premium reduction applies to all motor vehicles principally operated by the motorist who completes the course.  The reduction can be applied to only one driver for each covered vehicle.

Q.  If I complete a DMV approved motorcycle safety/accident prevention course, does the insurance reduction benefit extend to my automobile coverage?

A.  Yes. The reduction applies to the liability and collision insurance premiums for both your motorcycle and automobile.

Q.  Will young operators (under 18)  and drivers participating in assigned risk pool receive the insurance premium discount?

A.  Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the reduction.

Q.  If a youthful operator is already receiving a driver education reduction, will the PIRP discount also be applied?

A.  Check with your insurance company or agent to find out if both reductions will be given at the same time