New York Online Defensive Driving, also called I-PIRP (Internet Point and Insurance Reduction Program) can be used to either reduce your New York auto insurance by 10% or remove up to 4 points from your driving record. It is the same thing as traffic schools that other states have, only better. The course can be taken every 18 months for point reduction and every 36 months for insurance reduction. Insurance companies are required by New York state law to apply the discount after course completion and the discount is good for 3 years, at which point you can take the course again. Best of all, there are no quizzes and no final exams! You can’t fail the course!
New York Online Defensive Driving Course Reviews
If you search for New York online defensive driving course in Google, you’ll get a whole lot of results (I get 284 million results). In reality, there are only 11 online driving schools approved in the state. I’ll give you the entire list of certified schools below, but I thought I’d also give my personal recommendations, too. There are some real crummy schools out there, so I highly recommend you stick with the 2 recommendations below, but any of the schools listed under my full list of New York approved defensive driving courses will work. My favorite online defensive driving course for New York is either Improv Traffic School or iDriveSafely, so I’ll start with them.
Review #1: iDriveSafely
iDriveSafely is certified as a New York online defensive driving course for point reduction and insurance discounts. This is without a doubt, the highest quality course available in New York. This company has been around for over 12 years with more than 4,000,000 people having completed the course already. They offer 24/7 customer service via email, live chat, or phone, and of course they’ve maintained an A+ rating with the Better Business Bureau. Since they are so big and have been around for so long, they’ve got money to pay programmers to keep the course updated and modern.
Want to know more? Check out my full review on this defensive driving course. You can Check out this page: iDriveSafely Review
Review #2: Improv Traffic School
Online defensive driving courses are boring, right? Right. It doesn’t really matter if you’re doing it in a classroom or on the computer, it’s just a boring way to spend several hours of your life. The reason I rank this school at the top is because they took a comedic approach to the course. Instead of dry information and facts, they actually work in jokes, funny pictures, funny videos, and try to make this as pleasant as possible (although it still is defensive driving so there’s only so much they can do). Not only is it a fun course, but they’ve been in business for over a decade, have an A+ rating with the Better Business Bureau, have fantastic customer service, etc. There’s really nothing to worry about with these guys and I highly recommend them. They made a video specifically for New York and it explains how the course works pretty well, so here ya go:
If you want to check out a super detailed review of Improv Traffic School, go to this page: Improv Traffic School Review
Review #3 – New York Safety Council
First of all, this is the New York Safety Council, so of course they are reputable. As with the other New York online defensive driving courses I have provided above, these guys provide 24/7/365 customer support. In addition, they have an A rating from the BBB (not A+ but still good). With their long track record and positive online reviews, this seems like a solid choice. If you want to take your defensive driving course from a mobile or tablet device, it should be no problem by taking this course. One really nice thing about this course is the lack of a final exam. If you’re simply not a good test taker, this could be a life saver for you. While this wouldn’t be my top choice, it is still one of the higher quality online defensive driving courses in New York.
Certified New York Online Defensive Driving Course List
For most states, I have at least 5 or more recommendations. The problem with finding a New York online defensive driving course is there are only a handful of them to choose from. In other states, there are sometimes 100+ options to choose from. A few other excellent schools exist but for whatever reason, they aren’t approved in New York. If for whatever reason you don’t like the New York online defensive driving courses I recommended, any of these other schools will work.
By the way, this list was taken directly from the New York Department Of Motor Vehicles Website.
|iDriveSafely||National Traffic Safety Institute (NTSI)|
|New York Safety Program||Improv Traffic School|
|USA Training Company||AARP|
|American Safety Institute||American Safety Council|
|National Safety Council||Empire Safety Council|
Frequently Asked Questions About New York Online Defensive Driving
What is I-PIRP?
I-PIRP stands for Point and Insurance Reduction Program. You can take an I-PIRP course in a classroom or online. Both classroom courses and online courses must be approved by the State of New York Department Of Motor Vehicles Online defensive driving courses are the most widely used method for course completion, but other methods such as CD, DVD, Video, and cable TV options are available.
Who offers the I-PIRP courses?
The list above shows all of the approved online defensive driving schools which can be used to complete your I-PIRP requirements. Make sure you take a course that is approved by the state of New York. You can double check any school here: Official List Of Approved Online New York Defensive Driving Courses (dmv.ny.gov)
Do I receive point and insurance reduction if I take an I-PIRP course?
Yes, you can reduce your total accumulated driving points by up to 4 points. In addition, you can save 10% on your auto liability and collision insurance premiums.
How long does it take to complete an I-PIRP course?
You are required to take a minimum of 5 and 1/2 hours of instruction. Each course is timed and you will not be issued a certificate of completion until the required time has been met.
How are the classroom courses different?
If you don’t want to take an approved New York online defensive driving course, you can take the course in a classroom close to where you live. You’ll be required to complete 320 minutes of instruction which can be done during one full day session or two different evening sessions.
Can I log off and continue an I-PIRP course at a later time or use different computers for separate course sessions?
Yes, you may log in and out as many times as you’d like and your place will be saved. The only requirement is that you complete the course within 30 days of your registration date.
Are there tests or a final exam for an I-PIRP course?
Some schools do include quizzes and/or a final exam, which is one of the reasons you should pick one of my recommended schools. Neither one of those have quizzes or final exams. There are some schools where you actually have to take the final exam in person.
What if I fail the quizzes, tests or final exam?
For the courses which have a final exam, you are normally required to maintain a 70% or higher and the exam is timed. If you fail it one time, you are normally allowed a second chance. If you don’t pass the second time, you will not receive credit for the course and you will not receive point reduction or an insurance rate reduction. Once again, I must stress that you should pick from one of my recommended schools!
What is the cost of an I-PIRP course?
Unlike in many other states, each New York online defensive driving is allowed to set their own pricing. New York is one of the few states that doesn’t highly regulate pricing, so you may find large price differences between various schools.
How do I pay for an I-PIRP course?
In most cases, a credit card is required to complete the course.
How and when do I receive my course completion certificate?
Once you complete the course, the school will mail you a certificate of completion. You can’t receive a certificate of completion by email – it has to be done through regular mail. The school is required to mail the certificate within 14 business days after you completed the course. You can usually get an express mail option, but it almost always costs extra.
Does the DMV send my completion certificate directly to my automobile insurance company?
No, once you complete a New York online defensive driving, they will mail you a certificate. In order to qualify for the mandated 10% discount, you need to present the certificate and notify your insurance company that you completed an I-PIRP course.
What is done to ensure that the person who registers for the course is the person who takes the course?
Any certified New York online defensive driving is required to validate the person who registered for the course is the same person taking the course. There is no standard way that this is done and each defensive driving will have their own method of achieving this. Also, please be aware that if you’re caught trying to defraud the “system” in place, you are actually subject to prosecution including fines and while unlikely, imprisonment.
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