Ticket School > Blog > New York > How New York Defensive Driving Courses Can Save You on Car Insurance
man driving his modern car at night

Looking for ways to find some savings on your car insurance? One easy way to do this is to take a defensive driving course. In New York, there is a course called the Internet Point Insurance Reduction Program (IPIRP) (a.k.a. defensive driving course), which can be taken to have up to 4 points not counted on your driving record.  Some people also take the IPIRP course for a discount on their auto insurance.

Tips to Reduce Car Insurance

Need some tips to reduce your car insurance rate? Here are four simple ways you can do just that:

1.   Maintain a Good Credit Record

Many insurance companies use credit information to price their auto insurance policies. Studies have shown that people who effectively manage their credit tend to be more careful with everything else in life. As a result, they usually have fewer claims.

2.   Install Anti-theft Devices

Installing anti-theft and other safety devices is another excellent way of reducing your car insurance premium.

3.   Don’t Cash Out on Small Claims

Trying to limit the number of claims on your account can help prevent premium increases.  . If you can take care of any damage out of your pocket, do so.

4.   Take a Defensive Drivers Course

Taking a New York defensive course is another excellent way of reducing your insurance premium. Let’s look at this aspect in greater detail in the next section.

What Is a New York Defensive Driving Course?

The New York defensive driving course is a state-approved six-hour course designed to promote safe driving on the road. It also has the benefit of reducing points on your driving records (up to 4 points) and qualifies successful participants for an auto insurance discount.

Because the entire course is 100% online, you can access it any day of the week and at any time. However, you must complete the course within 30 days of registration. There is no final exam; however, there are short quizzes at the end of each unit.  Once you finish you will be sent a certificate of completion that can be turned in to your auto insurance company.

New York Defensive Driving for Insurance Savings

A major way you can save on auto insurance is by proving yourself to be a safe driver, and taking a defensive driving course will help you do just that.

Taking the New York defensive driving course (IPIRP) course is an excellent way of saving money on auto insurance. The auto insurance discount (10% auto insurance reduction for 3 years) that comes with completing defensive driving in New York is mandatory. Unlike other states where the discount depends on the insurance company, New York requires it. Your insurance company will apply the discount to the base rate of your current liability and collision premiums.

Note, however, that the discount only applies to the principal operator of the vehicle. Also, it’s in effect for up to three years after the IPIRP course is completed. You can retake the course every three years to renew the discount. Fortunately, there’s no cap on the number of times you can take advantage of the New York defensive driving for insurance savings.

Young woman driver

Benefits of New York Defensive Driving from Ticket School

Why should you take your New York defensive driving course with Ticket School?

Here are a few reasons why:

  • 100% online. This means you can take the course at your own pace and from whatever device you wish to use.
  • Up-to-date HD quality videos and animations.
  • Quicker reporting to the DMV.
  • S.-based customer support.

If you’re interested in New York defensive driving for insurance savings, you can register and get started right on our website.  You can reach out to us at (800) 558-9887 if you need any assistance.

Source: https://dmv.ny.gov/tickets/how-reduce-your-points-and-insurance-rate