Rating 4, 6 (46, 13) Taking this DMV-approved online defensive driving course in New York will automatically save you 10% on your car insurance for 3 years. Once you've completed an approved defensive driving course, your auto insurer can apply the discount to you for several years. If you're still eligible for a discount after that period has expired, you may be able to retake a defensive driving course to conserve your savings. The GEICO insurance discount applies to your collision, no-fault and liability premiums for three years.
After completing the course, you may also need to take a comprehension test in order to pass it and be entitled to an insurance discount. What's even better, New Yorkers can take this course once every 3 years to maintain a discount on their auto insurance premium. However, some states, such as New York, require insurers to offer discounted rates to drivers of all ages for taking safe driving courses. New York drivers who take an approved online defensive driving course qualify for a 10% insurance reduction.
Travelers offers a 10% insurance discount to New York drivers who voluntarily complete a defensive driving course. Eligibility varies depending on state law and your insurer's policies, although discounts are most often offered to teens and drivers over 60. In addition to your discount, the Defensive Driving Course reduces your driving record by up to four points. Remember that a defensive driving discount is just one of the many discount and savings opportunities available to insurance buyers.
Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. The defensive driving discount applies to the base rate of your current liability, no-fault and collision insurance premiums. A defensive driver training class (sometimes abbreviated as DDC) is generally taught in a classroom or online with text, audio, and video materials. The New York Internet and Insurance Point Reduction Program (IPIRP) is an online course that offers a mandatory 10% discount on insurance for three years.
While all New York providers accept the reduction in defensive driving insurance, be sure to contact your insurance company and ask about any specific policies related to the IPIRP discount. Check with your Nationwide insurance agent for the terms of the 10% reduction in insurance and other discounts for drivers. Insurers may offer a discount or a lower rate for teen drivers who complete a driver education course, but the savings may not be comparable to those of a discount for defensive driving.