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As a New York driver, you’re committed to staying safe behind the wheel. Everyone makes mistakes, though, and if you’ve received a ticket, you may be wondering how to move forward. Fortunately, New York offers a way to address these issues and even lower your insurance premiums in the process. Meanwhile, Stewart Agency, Inc. makes it possible to tailor auto insurance to each driver’s unique circumstances. Here’s how New York’s Point and Insurance Reduction Program works and how it fits into the bigger picture of auto insurance in Elmira, NY.
What Is the Point and Insurance Reduction Program?
New York gives drivers a way to reduce the number of points counted toward a potential license suspension. To qualify, drivers must complete an approved defensive driving course. Keep in mind that the Point and Insurance Reduction Program (PIRP) does not remove points from your driving record entirely; the violations and points still appear on your record for several years. That said, it’s still worthwhile if you’re at risk of a suspension. For many drivers, the course also offers a path to lower auto insurance premiums, particularly if rates have recently increased due to a traffic ticket.
How Does the Point and Insurance Reduction Program Work?
New York’s Department of Motor Vehicles approves defensive driving courses through the PIRP program. Drivers who complete an approved course can reduce up to four points counted toward license suspension and may also qualify for a mandatory 10% discount on the base rate of their liability, no-fault, and collision insurance premiums for three years.
Defensive driving instruction is available both online and in classrooms. Courses run a minimum of 320 minutes and may be split across multiple sessions. Covered topics include driver attitudes, defensive driving techniques, and New York’s vehicle and traffic laws. No formal testing is required to complete these courses.
Get Custom Coverage With Stewart Agency, Inc.
No matter your situation, you can find the right coverage for your vehicle with help from Stewart Agency, Inc. Serving drivers in and around Elmira, NY, we offer a wide range of policy options and customize auto insurance to fit local drivers’ needs. Feel free to request a quote or discuss your insurance options with an agent at Stewart Agency, Inc.