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The Great 8 - Tip #1 Defensive Driving Course
Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU
Jun 26, 2024
The Defensive Driving Course is the most universal and non-discriminatory way to save on auto insurance.
EVERYONE (good drivers or not so good!) is eligible to reap its benefits. (Well…there is an exception if you're forced to because of your driver's record! But we know that's not you!)
You'll only need to commit six hours to take the class online or in a classroom near you.
The course is technically called the "New York Point and Insurance Reduction Program" (PIRP for short).
The New York Department of Motor Vehicles designed the course to help people reduce "points" on their licenses. However, an ancillary benefit was also reducing the base rate of your auto and motorcycle premiums.
Most people take the course to reduce the cost of their insurance. And the cost reduction is real.
The six-hour course results in a 10% discount applied to the majority of your car insurance coverage parts and can add up over three (3) years.
A real-world example works like this:- Current Annual Premium before taking the Defensive Driver Course = $1,200
- Annual Discount for taking the course = $100
- Total Discount over three (3) years = $300
If you'd like to know how much you would save, call us! We would be happy to see what the result is for your exact situation.
Most of the courses available cost $40 or less. At that rate, most policyholders can realize a significant return on their investment in time and money.
Where can you take the course? We recommend taking the course from the comfort of your home, right on your computer.
Improv provides the company with the most flexible and enjoyable class, allowing you to start and stop the course over 30 days at your own pace and when you have the time.
Would you prefer a classroom experience? Numerous
classroom providers are available. For more information about classes that are available locally, please contact our office.
Regardless of your driving tenure or skill, the Defensive Driving Course (or PIRP) is one of the most effective and attractive ways to save on your car insurance for the next three years!
This article may have been originally published at Quora.com.
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