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10% Car insurance Discount in NY

April 19, 2024 | Jany Martinez Ward
10% Car insurance Discount in NY

Did you know that in New York, you can reduce the cost of your car insurance by up to 10% by taking a defensive driving course? We are sure you were unaware of this great opportunity to save a few dollars that can be useful for other things. That's why we will share information about it so you can take advantage of it.

Unlocking a 10% Car Insurance Discount in New York

In New York, the legislation mandates that insurance companies extend a 10% discount on auto or motorcycle liability and collision insurance for three years to drivers who complete a New York State Department of Motor Vehicles-approved accident prevention course. This discount is applied to the base rate of your insurance premiums, provided you're designated as the primary operator.

The beauty of this incentive lies in its flexibility—you can enroll in the course whenever you want to reduce your points. Moreover, the discount seamlessly integrates with your existing policy, eliminating the need to switch insurance carriers or agents.

At The Ward Law Group, we recognize the significance of maximizing savings while ensuring top-notch coverage for our clients.

Save on Your Auto Insurance with These Simple Steps!

In times when everything seems to come with a hefty price tag, every saving matters! That's why we're here to introduce you to a simple way to trim your expenses: by saving on your auto insurance!

  • Enroll in a defensive driving course.
  • Obtain your certificate upon completion of the online course.
  • Submit your certificate to your insurance company.

Remember, if you need guidance regarding an accident or want more information about your case and the next steps, we're here to help answer your questions.

Point & Insurance Reduction Program

In addition to saving money on your auto insurance through the 10% discount offered in New York, there's another valuable opportunity available to drivers: The Point & Insurance Reduction Program (PIRP). Approved by the Department of Motor Vehicles, this program is accessible through private companies or corporations known as "course sponsors" across New York State.

Each qualifying course adheres to stringent standards, ensuring the delivery of safe driving information and program effectiveness.

By completing an approved PIRP course, you can reap several benefits:

  • Refreshed Driving Knowledge: The course offers a comprehensive review of time-tested, safe driving tips and an overview of current vehicle and traffic laws, helping you stay informed and vigilant on the road.
  • Point Reduction: Eligible participants may be able to reduce up to four (4) points on their driving record. The DMV computer system automatically recognizes your eligibility for point reduction upon course completion.
  • Insurance Premium Reduction: As the principal operator of a motor vehicle, completing a PIRP course entitles you to a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years. This adds to the savings you can enjoy on your insurance coverage.

If you're considering enrolling in a PIRP course or need guidance on any aspect of your insurance or accident case, don't hesitate to contact us. We're here to help you navigate the legal system's complexities and protect your rights.

If you're considering enrolling in the Point & Insurance Reduction Program (PIRP) course, you might wonder about the time commitment, format, and associated costs. Here's what you need to know:

  • Duration and Format: Starting in 2009, participants had two options for completing the PIRP course: the traditional classroom method or an alternate delivery method (ADM), which included options like online courses approved by the DMV. Regardless of your chosen delivery method, each course will be at least six hours long.
  • Cost: The cost of the PIRP course can vary depending on the provider and delivery method you select. When enrolling, it's essential to inquire about the fees associated with the course to ensure transparency and avoid surprises.

At The Ward Law Group, we understand that navigating the details of the PIRP course can seem daunting. Please get in touch with us if you have questions about the course duration, format, or cost. We provide clarity and support as you explore opportunities to enhance your driving skills and reduce your insurance premiums.

Jany Martinez Ward Author Image
Jany Martinez Ward

Jany Martínez-Ward is a Founding and Managing Partner of The Ward Law Group, PL, a Florida law firm representing victims of car accidents. She focuses her practice on providing legal representation to Hispanic clients that have become injured in a car accident as a result of the negligence of others. In 2018, The National Trial Lawyers Association recognized Jany as one of the top attorneys in the state and among the top 40 under 40 attorneys.


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