The New York State Point/Insurance Reduction Program (PIRP) is a chance for licensed drivers to both review and catch up to changing laws. We dissect the two most common accidents and discuss the ever changing DWI laws. Upon completion the student will reduce four points from their driving record and receive 10% off their insurance.

FREQUENTLY ASKED QUESTIONS

How much can I save on my insurance by taking this course?

If you are the principal operator of a vehicle, you will receive a minimum 10% reduction in the base rate of your auto liability and collision insurance premiums each year for three years.

After completing the course, how do I receive the insurance reduction?

The course sponsor will mail you a completion certificate. Present your completion certificate to your insurance company/agent for immediate liability and collision premium discount, retroactive to the date of course completion. If you do not receive your certificate within eight weeks of completing the course, contact the sponsor. You may take the course once every 36 months for insurance reduction benefits.

The course sponsor automatically notifies DMV that you have completed the course. A course completion notation is entered on your driving record in the DMV computer. Convictions and original points remain on the record, they are not deleted. After the course completion notation goes on your record; the computer subtracts up to four points when calculating your point total. The course completion notation is listed on DMV-printed copies of your driving record, along with the original points and convictions.

The course completion notation usually appears on your record within eight weeks after you complete the course. If you wish to verify that course completion has been noted on your record, request a copy of your driving record from DMV two months or more after completing the course. Give your full name, date of birth and motorist identification number as they appear on your license. Send this information and a check or money order for $5.00, payable to the Commissioner of Motor Vehicles, to the Public Service Bureau, Driver Abstracts, DMV, Empire State Plaza Albany NY 12228.

You can estimate the points on your driving record by using the following chart. For your actual drivng record you should contact the DMV.

Will the course prevent my insurance company from raising my premiums?

No. Insurance reduction does not prevent general premium increases, nor those due to violations or accidents. It provides a 10% reduction, for three years, in your current liability, no-fault and collision premiums.

What if more than one person named on a policy completes the course?

The reduction applies to vehicles principally operated by the motorist who completes the course. The discount may be applied once for each covered vehicle.

Will assigned risks and youthful operators receive the discount?

Yes. Any insured who is a principal operator and completes a PIRP course will receive the discount.

If a youthful operator is already receiving a driver education discount, can the PIRP discount also be applied?

Check with your insurance company or agent to see if both discounts will be given at the same time.

How long is your course?

The course lasts 6 hours total which is usually broken into 2-3 hour sessions, however 1 day sessions are available.