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. Even if your car insurance company isn't listed above, you'll be entitled to a 10% discount for defensive driving if you meet your provider's requirements. In addition to your discount, the Defensive Driving Course reduces your driving record by up to four points.
The GEICO insurance discount applies to your collision, no-fault and liability premiums 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. 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. Your final auto insurance premium will be based on many different factors unique to each driver that may vary between insurance companies.
You don't need to change insurance companies or agents, and the discount applies directly to your current policy. The defensive driving discount applies to the base rate of your current liability, no-fault and collision insurance premiums. By voluntarily taking an IPIRP course in New York online, you can get a mandatory 10% insurance discount for three years. The New York IPIRP insurance discount is available to anyone who voluntarily completes a DMV-approved defensive driving course.
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. This discount applies to the base rate of your auto or motorcycle insurance premiums, as long as you are listed as the primary operator. You can indicate the coverage limits and deductibles that you want to include in your policy and ensure that you have received all the discounts you are entitled to. You can also save money with a “multi-car discount” if you insure all your cars with the same insurance company.
Consumers can also save money if they inform the insurer of any new conditions that may affect the nature of exposure to insurance, such as when a young driver in their family leaves home or if a young driver is going to college more than 100 miles away and doesn't drive the car. Travelers offers a 10% insurance discount to New York drivers who voluntarily complete a defensive driving course.
