Your final auto insurance premium will be based on many different factors unique to each driver that may vary between insurance companies. Because the actual amount of these discounts may vary between insurers, ask your insurance company, agent, or broker about any discounts that may apply to you. You can contact the approved sponsors of ADM courses listed in the DMV publication, List of Course Sponsors (C-3), available at any state or county motor vehicle office and by requesting it from the DMV call center. The American Security Council's Internet Access Point Reduction and Secure (IPIRP) course in New York includes the same material and time as the face-to-face course.
Since rates tend to be higher for young drivers, young drivers should learn about the “road training discount” offered by many insurers for those who have taken driver education classes. If you submit your certificate more than 90 days after the end of the course, the insurer may issue the premium discount that will take effect from the date of submission. The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through companies or private corporations, called course sponsors, throughout New York State. In addition, as stated above, the savings in dollars derived from any discount required by law must be indicated on the return page or in an annex to it of your policy.
As an insurance buyer, you should check with your insurance company, agent or broker about possible discounts that may apply to you, such as those offered to the elderly, shared vehicles, low annual miles and the “good student” discount offered to young operators who meet certain academic requirements. Changes in the way you drive will be reflected in the amount of the discount, so the amount of the discount may increase or decrease with each renewal. You can also save money with a “multi-car discount” if you insure all your cars with the same insurance company. 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.
You can also contact one of the program sponsors listed in the DMV publication, List of Course Sponsors (C-3), available at any state or county motor vehicle office and request it from the DMV call center. When you sign up for Drive Safe with a 26% discount, you'll receive an*immediate* discount on your State Farm car insurance. Enrolling in Drive Safe & Save can help you get a discount of up to 30% on your car insurance depending on how you drive.