New York drivers are able to take defensive driving courses to reduce up to four points on their driver’s license and save 10% on liability, no-fault, and collision portions of their car insurance. The courses can be taken online or in a classroom, and will help New Yorkers refresh their memory about driving laws and safety in the Empire State.
Registering for a class in New York is both easy and convenient with many online options and no requirement of taking a final test. Classes are required to be at least 320 minutes long (a little over 5 hours) and must be approved by the state of New York’s Point & Insurance Reduction Program (PRIP) or Internet Point & Insurance Reduction Program (IPIRP).
Benefits of Taking a Defensive Driving Course in New York
In New York, drivers must complete a Defensive Driving Course or an Accident Prevention Course that is compliant with the DMV PIRP to receive the point reduction and lower their NY auto insurance costs. The course provides an opportunity to gain knowledge and learn techniques to be a safe driver.
- Up to 4 points deducted on current driving license: If a driver accumulates 11 points in an 18-month period, their license may be suspended. Taking a Defensive Driving Course before getting 11 points is one way to keep more breathing room on your record. Upon completion, drivers can get rid of up to four points from violations over the last 18 months. Most organizations will send a copy of the certificate to the DMV after graduation to facilitate the deduction.
- Auto insurance discount in New York: Drivers will receive a 10% reduction on the liability, no-fault, and collision portions of insurance every year for three years after the completion of the course. The same PIRP course has to be retaken every three years to renew the insurance reduction. Once the driver has a certificate of completion, he or she must send a copy of the certificate within the first 90 days of registration to the insurer or agent to get the 10% discount on their car insurance.
New York Defensive Driving Course Providers
New Yorkers have some options for where they take their defensive driving classes. Additionally, some organizations only provide courses for their employees and members, so before registering for a class, talk to your employer to see if they provide these courses, and check with your providers to see if they’ll give you a discount. For example, the Nassau County Police Department and the NYS Department of Transportation provide Defensive Driving classes just for their employees.
These classes can be taken online at your own leisure or in a classroom setting. In a classroom setting, the 320 minutes can be taken in one daytime session or split into two evening sessions. Online classes can be taken whenever is most convenient for the driver. Costs of a classroom session vary from location and the affiliates to the provider. To register for a live class, the driver has to contact the direct instructor to sign up, while online classes depend on the internet to register and teach a class. Most of the online and in-person classes do not have a final exam, and are graded based on completion or attendance.
Classes online vary from $24.95 – $49.95. American Safety Council and Driver Training Associates had the cheapest defensive driving courses, while the New York Safety Program ranked with the most expensive defensive driving classes.