How to Get a Car Insurance Discount in New York

Most of us are familiar with the usual discounts insurance companies provide: discounts for good grades, having a clean driving record, driving a safe car and being a mature driver. Now there is a new opportunity for New Yorkers to receive a mandatory three-year, 10% annual discount on their car insurance. It's called online defensive driving. Yes, for many New Yorkers this is very exciting news as New York has one of the highest auto insurance rates in the country.

Even more exciting is that, in addition to the insurance discount, taking the New York defensive driving course can also reduce up to 4 points from your driving record. According to the New York State DMV this can be done only if you received your points within the last 18 months, and will not reduce your active point total to less than zero.

This new online defensive driving, released as part of the NYS DMV's Internet Point and Insurance Reduction program (IPIRP), allows you to take the course around your schedule, from any computer, without having to do it all at once. No more lost Saturdays and long hours in a boring lecture room. This traffic school course is available 24/7 and allows students to log on and off as many times as they want. Every student has up to 30 days to complete the course after registration. Even better, the same course can be taken every 3 years to continue the mandatory 10% insurance discount.

So how can you get the discount online? The New York Safety Council, one of the first to offer the online NYS dmv course at, utilizes voice biometric technology to verify the student's identity throughout the course. This advanced technology allows for identity verification without having the student visit a notary or proctoring center. For this reason, a final exam is not necessary in the course. It is truly 100% online.

As with most internet delivery programs, this defensive driving was created to maximize convenience and to assist those who do not have the ability to get to live classes. Now more people can reap the insurance benefits without having to take time off work, lose a weekend, or simply waste time and gas. A class that puts money back in your pocket and can be completed at your convenience: finally, a glimmer of hope in a very gloomy economy. Driving Safety Articles:
This article was written by defensive driving staff writers and reviewed for accuracy by defensive driving instructors. All articles are based on current traffic laws and defensive driving practices. This article is intended for educational purposes only, and should not be taken as legal advice or literal interpretation of any specific traffic law.