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Save 10% on your liability insurance and reduce points!Details for a free rate quote. How the NY Defensive Driving Course Saves You Money and PointsThe New York State Defensive Driving Course, also known as the Point and Insurance Reduction Program (PIRP), is a DMV-approved program that helps drivers save money and improve their driving record. By completing this course—whether online or in a classroom setting—you can qualify for a 10% reduction on your automobile liability, no-fault, and collision insurance premiums for three years. This discount applies directly to your current policy, and you don’t need to switch insurance companies to receive it. After three years, you can retake the course to renew your discount for another three years[1][2][7]. In addition to insurance savings, the course allows you to reduce up to four points from your driving record for violations that occurred within the last 18 months. This point reduction can help prevent license suspension and keep your record in good standing. The course is open to all New York State drivers, regardless of age or driving history, and can be taken once every 18 months for point reduction[2][10]. The curriculum covers essential topics such as defensive driving techniques, New York traffic laws, accident prevention, and the effects of alcohol and drugs on driving. Most courses are six hours long and can be completed in a single day or split into two sessions. Online options are also available, allowing you to complete the program at your own pace from the comfort of home[5][7][12]. Many organizations and communities, like The Arbors Assisted Living Community, offer defensive driving classes with added perks—such as meals and social activities—to make the experience enjoyable. Some events even incorporate singles mixers or ice breakers, providing a unique opportunity to meet new people while fulfilling your insurance and driving requirements. If you’re interested in saving money on your car insurance, reducing points, and possibly making new friends, check our schedule for upcoming defensive driving classes. If you don’t see a class listed, reach out by email for more information about the next event. Taking a New York defensive driving course is a smart move for your wallet, your record, and your social life. |
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