Taking An Insurance Reduction Course

The Point and Insurance Reduction Program also known as PIRP is a defensive driving course approved by the Department of Motor Vehicles. The program is available through private companies such as defensive driving schools throughout New York State.
The course will help you freshen up on your driving skills and knowledge. There are now two options that are available, you can take the course in a traditional classroom setup or over the internet. No matter where or how you take it the course is at least six hours long. Information about traffic safety laws, defensive driving techniques, and driver behavior will be taught during the course. The course can be taken in one classroom session or multiple sessions. In order to pass attendance is mandatory.
One of the benefits of taking the course is the eligibility to reduce as many as four points on your driving record. The DMV will be notified of your course completion within ten weeks from the end of the course. A notice gets entered on your driving record, and the computer at the DMV automatically reduces your points from your record. If you would like verification, you can request a copy of your driving record from the DMV. The point reduction is only applied to any violation that occurred within eighteen months before the completion of the course. If your license is revoked or suspended the point reduction wont affect that action.
After you complete the course you should receive a completion certificate from the defensive driving school where you took the course. Take the certificate and present it to your insurance provider for an immediate reduction in your coverage. You are allowed to take the course every thirty six months to get reductions for your insurance coverage. Up to a ten percent reduction is provided.
The benefits of the Point Insurance Reduction Program arent just financial savings. Some of the skills and techniques that are learned can be life saving. The course helps drivers be more aware of not just their actions but everyone elses on the road creating a safer driving environment.