The point and insurance reduction program is sometimes known as the defensive driving course or motor vehicle accident prevention course. Most people get their license at an early age and then forget fundamental skills that may prevent accidents or traffic violations. Taking a New York defensive driving course will refresh your knowledge of safe driving techniques. In fact, studies show that graduates of a point and insurance reduction program are much less likely to be victims of accidents or traffic fines. If you are an insured New York driver over the age of 18, you’re eligible for the accident prevention course and the benefits that come with it.
In addition to the knowledge you’ll gain, you’ll also receive a 10% auto insurance reduction for 3 years. This insurance discount is guaranteed regardless of your insurance plan or provider. Auto insurance plans usually cost over $1000 a year, so you’ll find that a 10% reduction adds up to hundreds of dollars over 3 years. Since you are already required to have auto insurance to drive, why not take an accident prevention course and save?
If you have multiple people on your insurance policy and each of them takes the course, the 10% could represent an even greater total savings. For example, if each insurance policy costs $1,200 per year, you would save about $120 and over 3 years that adds up to $360. Now imagine if you have multiple insured drivers on your policy and they all take the course. That could be over $1,000 in total savings.
If you’ve received a traffic ticket in the last 18 months you’ve had points added to your driving record. The New York DMV uses a point system to keep track of drivers that may pose a hazard to others on the road. For each infraction you may receive anywhere from 2 to 11 points. At 11 points, your license can be suspended and your insurance provider may increase your insurance rate because they’ll view your driving habits as unsafe and risky. By taking the point and insurance reduction program course, the New York DMV and insurance provider will see that you are taking steps to become a better driver and they’ll reward you for it. The DMV will give you a 4 point reduction and your auto insurance provider will decrease your rate by 10%. The 4 point reduction from your record does not mean the points will disappear, but they won’t count towards license suspension. While these points can’t be applied for future traffic violations, they can help prevent license suspension and lessen auto insurance increases.
New York Driver offers the point and insurance reduction program online, also known as IPIRP and in a classroom setting. Both cover the same information and provide the same benefits. Depending on what you prefer you may be more inclined to take the defensive driving course online for efficiency or the classroom course for in depth skills taught in a more interactive way.