How Does the New York Point and Insurance Reduction Program (PIRP) Discount Work?Have you heard that New York drivers have a unique opportunity to lower their insurance rates by 10%? By completing the state-approved Point and Insurance Reduction Program (PIRP) online course and sending the PIRP certificate of completion to your insurance carrier—they’re required to reduce your rate by 10%. The best part is that the discount lasts for three years! Do you want to keep saving? You can take the course again before your discount expires and you can save for another 3 years.
What is a New York Defensive Driving Course?A defensive driving course is offered in New York to teach drivers how to drive their automobiles safely and avoid accidents in and around New York. The course covers various topics, including defensive driving techniques, traffic laws and regulations, and how to handle emergencies. In New York, defensive driving courses are offered in-person and online, making it easy for drivers to complete the course on their schedule. The defensive driving PIRP class costs approximately $25.00, but the cost may vary.
Will Taking a Defensive Driving Course Help Me?There are several reasons why taking a defensive driving course can be beneficial. First, the course can make you a safer driver. By learning defensive driving techniques and how to avoid accidents, you can reduce your risk of being involved in a crash. Additionally, taking a defensive driving course can result in a reduction in your auto insurance premiums. Many insurance providers in New York offer discounts of up to 10% for drivers who complete a defensive driving course.
Steps to Take to Get a 10% Discount on Your Auto Insurance Premium in New YorkIf you're interested in taking a defensive driving course and receiving a discount on your auto insurance premiums, here are the steps you'll need to take: Step 1: Check with Your Insurance Provider The first step is to check with your insurance provider to see if they offer a discount for completing a defensive driving course. Most insurance companies in New York offer this discount, but it's always a good idea to confirm with your provider before enrolling in a course. Step 2: Enroll in a Defensive Driving Course Once you've confirmed that your insurance provider offers a discount for completing a defensive driving course, it's time to enroll in a course. Defensive driving courses are available in-person and online; the cost can vary depending on the provider. The course typically takes around six hours to complete, but online courses allow you to work at your own pace. Step 3: Complete the Course Once you've enrolled in a defensive driving course, it's time to complete the course. The defensive driving course cover will teach how to drive safely, defensive driving, how to handle emergencies, and general New York traffic laws. At the end of the course, you'll need to pass a final exam to receive your certificate of completion. Step 4: Present Your Certificate of Completion to Your Insurance Company After you've passed the final exam, you'll receive your certificate. You'll need to present this certificate of completion to your insurance company to receive your discount. Some insurance providers may require you to submit the certificate by mail, while others may allow you to submit it online. Step 5: Enjoy Your Discount Once you've presented your certificate of completion to your insurance company, you can enjoy your discount. The discount will typically be applied to your next auto insurance premium payment, resulting in a 10% reduction in your premiums. Here are some options for enrolling in an online defensive driving course in New York:
- New York Safety Council: The New York Safety Council offers a 100% online defensive driving course that is approved by the New York State Department of Motor Vehicles. The course is self-paced and can be completed on any device with an internet connection.
- American Safety Council: The American Safety Council offers an online defensive driving course approved by the New State State Department of Motor Vehicles.
- National Safety Council: The National Safety Council offers an online defensive driving course that is approved by the New York State Department of Motor Vehicles.
- I Drive Safely: I Drive Safely offers an online defensive driving course that is approved by the New York State Department of Motor Vehicles.
- Safe Motorist: Safe Motorist offers an online defensive driving course that is approved by the New York State Department of Motor Vehicles.