The Points Reduction and Insurance Program (PIRP). The PIRP is also known as the Defensive Driving Course or the Motor Vehicle Accident Prevention Course. It is a comprehensive road safety course that provides knowledge and techniques for safe and legal driving. Companies and private organizations across the state offer the course.
To be approved by the DMV, courses must meet strict standards in terms of the type of information presented and the effectiveness of the program. One of the most important factors to consider when looking for insurance discounts for defensive driving courses is the insurance provider. Insurance providers reward car insurance to good drivers with no claims or accidents on their record. 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.
AAA Auto Insurance offers a 10% discount on collision, liability and no-fault insurance premiums after completing an online defensive driving course. However, getting a discount for driving defensively shows your commitment to driving safely and can help you get cheap car insurance with a bad record. 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. Check with your Nationwide insurance agent for the terms of the 10% reduction in insurance and other discounts for drivers.
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. Contact your American Family Insurance agent for specific information about the IPIRP discount and other ways you can lower your car insurance premium.