Defensive Driver's Discount Program
Defensive Driver's Discount Program
Summer special
Save 10% on your auto insurance
Reduce up to 4 points from your license
NYC DMV & NJ MVC approved course
Study at your own pace
No final exam
Save 10% on your auto insurance
Reduce up to 4 points from your license
NYC DMV & NJ MVC approved course
Study at your own pace
No final exam
New York
10% insurance (every 3 years)
4 point reduction (every 18 months)
NY DMV approved
New Jersey
5-10% insurance (every 3 years)
2 point reduction (every every 5 years)
NJ MVC approved
IT'S AS EASY
AS 1-2-3!
Register now for the Defensive Driving Course
Complete the course online or in class
Submit your certificate and proof to insurance
HOW DOES
IT WORK
- register for the course
- when you’re done, we will notify the DMV and send you a certificate that you can show your insurance company
- receive up to 10% discount on your auto insurance
- + you’re eligible for up to 4 points reduced from your driving record
WHAT IS DEFENSIVE DRIVERS PROGRAM
The Point and Insurance Reduction Program (PIRP or IPRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called “course sponsors”, throughout New York State and New Jersey.
Our company, called DDDP (Defensive Driving Discount Program), meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved PIRP course:
It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today’s vehicle and traffic laws.
You may be eligible to reduce as many as 4 points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction.
If you are the principal operator of a motor vehicle, or a company with a car driver(s), you will receive up to 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.
WHAT IS DEFENSIVE DRIVERS PROGRAM
The Point and Insurance Reduction Program (PIRP or IPRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called “course sponsors”, throughout New York State and New Jersey.
Our company, called DDDP (Defensive Driving Discount Program), meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved PIRP course:
It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today’s vehicle and traffic laws.
You may be eligible to reduce as many as 4 points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction.
If you are the principal operator of a motor vehicle, or a company with a car driver(s), you will receive up to 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.
FAQ
General questions:
Who is eligible to take this course?
How do I get the 10% discount?
If you present your certificate more than 90 days after course completion, the insurer may issue the premium discount effective from the date presented. If you do not receive your certificate within 8 weeks after completion, contact us. You may take the course once every 36 months to maintain insurance reduction benefits.
Will the PIRP course prevent my insurance company from raising my premiums?
It provides a 10% reduction for 3 years, from the base rate of your current liability, no-fault and collision premiums.
What if more than one person named on a policy completes the PIRP course?
Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount?
If a youthful operator is already receiving a driver education discount, will the PIRP discount also be applied?
How do I receive the point reduction?
IMPORTANT: Completion of a course under the “Point and Insurance Reduction Program” does not remove, delete, subtract, or erase any violation, conviction, or notice of original number of points from your driving record.
Even after you complete the course, most violations, conviction and points assessed will continue to show on your driving record for up to 4 years. Violations and convictions involving drugs or alcohol will remain on your driving record for 10 years. “Point reduction” means the DMV will not count up yo 4 points on your driving record toward license revocation or suspension.
How do I know my driving record shows my PIRP course completion?
What effect does point reduction have on my license and driving record?
Point reduction cannot reduce your point total lower than zero. If your license has already been revoked, suspended, or if a violation hearing has already been scheduled, point reduction will not affect that action.
Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speeding violations within 18 months.
Points may be reduced only once in any 18-month period. Completion of a course under the “Point & Insurance Reduction Program” also cannot prevent or reduce the calculation of points affecting a “Driver Responsibility Assessment”. The most recent information about the “Driver Responsibility Assessment” program is available from the DMV Internet Office.
