How A New York State Law REQUIRES Your Auto Insurance Company To Give You A Discount – TODAY!

How A New York State Law REQUIRES Your Auto Insurance Company To Give You A Discount - TODAY

New York Driving Record
New York, NY (11/18/2014) – If you live in the state of New York, you now have a way to lower your auto insurance rates by 10% simply by completing this online based defensive driving course. But don’t expect your insurance company to tell you about this obscure New York law.

How It Works

So, how are you able to save 10% without ever switching your auto insurance provider? Simply complete an online based defensive driving course from the comfort of your own home and your insurance company doesn’t have a choice. They are required by law to give you the discount.

Has your insurance company ever told you that?!

Well now you know. If you follow the below steps, you can get a 10% break on your auto insurance for the next 3 years and there isn’t a thing your insurance company can say or do about it. Here’s how it works…

*** Scam Alert! ***

Before you take any New York Point & Insurance Reduction Program (PIRP) defensive driving course, make sure it is state certified! We highly recommend this state certified course.

Step By Step Instructions

Once you complete the online course, your insurance company is required to give you a 10% discount for 3 years. At the end of 3 years, you may take the course again to continue receiving your state mandated discount. Each driver in your household may take the course, which can add up to some serious savings.

Step 1: Signing Up For A CERTIFIED Course

This is the online defensive driving course we recommend. They are certified by the state of New York and have had millions of people go through their online defensive driving courses. Whoever you end up deciding to go with, make sure they are certified by the state of New York to provide PIRP (Point & Insurance Reduction Program) courses.

Step 2: Complete The Course Online

The state of New York mandates the course to be 320 minutes in duration. You have 30 days to complete the course and most people choose to do the course an hour at a time, but you can complete it as quickly as you wish.

Step 3: Pay Less On Your Auto Insurance Premiums For 3 Years

That’s it! Once you complete the course, the school you took the course with will automatically notify the state and the state will then notify your insurance company that they will be charging you 10% less – like it or not!

That’s it! Pretty easy stuff, right? You can get started now right here.

Frequently Asked Questions

I’ve Never Heard Of I-PIRP. What Is It?

In short, it is something your auto insurance company doesn’t want you to know about. PIRP is a program established by the state of New York to allow drivers to complete driver training courses in exchange for discounts on their auto insurance. You can learn more about this program on the New York State website here:

How much can I save on my car insurance if I take this?

The answer will depend on your auto insurance policy. But yes, as mentioned in this article, you are guaranteed at least a 10% state-mandated discount. This is from the base rate of your collision and the comprehensive portion of your policy. 

To give you an idea, MyImprov’s students save an average of $900 to $1,500 after taking the course in three years.

How Do I Know If I’m Eligible For The Program?

If you are a licensed driver in the state of New York, you are eligible. This is true whether you have violations on your record or not.

How Many Members Of My Household Can Enroll In The Program?

Every driver on your insurance policy may enroll into a PIRP course and receive the discount. So, if you have a spouse and child on your policy in addition to yourself, all 3 of you may complete a PIRP course and receive a 10% discount. You can see how this can really add up

How Long Does The PIRP Course Take?

The state of New York requires all courses to be 320 minutes in duration. You are able to complete the course over a 30 day period and all online courses are accessible 24hrs per day and 7 days per week.

Will A PIRP Course Also Reduce Points On My New York Driving Record

YES! If you have points on your driving record, a PIRP course will reduce the number of points on your record.

How Many Times Can I Take The Course

Once you complete the course, you will secure up to a 10% discount on your auto insurance for a 3 year period. At the end of 3 years your discount will expire, at which time you are able to take the course again. If you are taking the course for point reduction purposes, you can take the course every 18 months.

Is There An Age Restriction?

No, as long as you are a licensed driver in the state of New York, you are eligible. Many parents have new 16 year old drivers complete the course right away.

How much does it cost to take an I-PIRP course?

This will depend on your chosen course provider. But it should be around $30 to $50, including the DMV fee. 

MyImprov, for example, offers it at $49.95, but they are currently offering a 29% course discount. So you’ll get it for $27.95. The DMV fee costs $8.

What’s good about the online setup is that you can compare courses and their fees before signing up. So make sure to research a little before you register. You can check my New York Online Traffic School Reviews to get you started.

What Is The Best PIRP Course I Can Take Online?

We strongly recommend you sign up for MyImprov’s online PIRP course. Their course is accepted by ALL insurance companies. And, if your provider is GEICO, you’ve hit the jackpot as MyImprov is also affiliated with them (more discounts!).

Is it better to take the I-PIRP course compared to the classroom course?

There’s not much difference between taking the classroom PIRP course and the I-PIRP course when it comes to content and information. Both versions will comprise 320 minutes of instruction. However, the classroom courses have fixed schedules and you can only choose from one daytime session or two evening sessions. 

On the other hand, the I-PIRP course offers a lot of conveniences as you can take it from the comfort of your home, at any time of the day. Although you must complete the I-PIRP course within 30 days after you register, you’ll still have more control over your schedule. 

These online courses are also more affordable.

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