No quote or insurance change is required. The New York DMV allows motorists to take a defensive driving course not only to reduce traffic points, but also to get a 10% discount on car insurance. Your Allstate agent can explain the discount for driving defensively and a variety of other options that can help you save money on your insurance premium. The GEICO insurance discount applies to your collision, no-fault and liability premiums for three years.
If you complete a defensive driving course or an accident prevention course approved by the State's Points Reduction and Insurance Program (PIRP) or the State's Points Reduction and Internet Insurance Program (IPIRP), you can get points removed from your license and reduce your car insurance costs in New York. For example, the Nassau County Police Department and the New York State Department of Transportation offer free defensive driving classes for their employees. Learn more about insurance companies in New York that accept the 10% discount for defensive driving. 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.
New York drivers who take a DMV-approved defensive driving course receive a 10% insurance discount for three years. Once you've completed an approved defensive driving course, your auto insurer can apply the discount to you for several years. In many states that require it, a four-hour course is sufficient to meet the requirement for a defensive driving certificate and a discount. They can help New Yorkers refresh their memory about driving laws and reduce up to four points on their driver's license.
When looking for the best defensive driving course in New York, you should first determine if you prefer an online or in-person class. By voluntarily taking an IPIRP course in New York online, you can get a mandatory 10% insurance discount for three years. Allstate customers in New York can receive a 10% insurance reduction if they complete an approved online course in defensive driving. The 10% insurance reduction is available to those who complete a state-approved defensive driving course.