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The I DRIVE SAFELY online New York State defensive driving course is tailor-made for New York drivers. Designed to fit conveniently into your busy
schedule, you can now take complete control of when, how and where you study. Plus, by successfully completing the Point and Insurance Reduction course,
you will be eligible for a 3-year, 10% reduction on your auto insurance (in the base rate of the motorist's current automobile liability, no-fault and collision
premiums).

Here's how it works:

Let's say your annual auto insurance premium breaks down like this :  










                                                                                                                                        **This example is for illustrative purposes only. Your auto insurance policy may differ
                                                                                                                                                                                                                      in coverages and premium amounts.  


After you complete the online Point/Insurance Reduction class, BY NYS LAW you would be entitled to a 10% discount off of your base Liability, No-Fault,
and Collision premiums for a period of 3 years!  See example discount calculation below:













                                                                                                                                        **This example is for illustrative purposes only. Your auto insurance discount may differ based on your
                                                                                                                                                                                                                     insurance policy and company.
                                                                                                                                                                                       

This person would have only spent $ 38.95 to take the course and saved $ 306.60 (over 3 year period).
There's a often used phrase that describes this scenario quite well: It's called a "no-brainer."

                                                                                                                                          
Liability Premium
$530
No-Fault Premium
$75
Comprehensive Premium
$175
Collision Premium
$417
TOTAL ANNUAL AUTO
INSURANCE COSTS
$1,197
Liability Discount  ($530 *10%)
$53.00
No-Fault Discount  ($75 * 10%)
$7.50
Comprehensive Discount
N/A
Collision Discount   ($417 * 10%)
$41.70
TOTAL ANNUAL AUTO
INSURANCE DISCOUNT
$102.20
How Does the Insurance Discount Work?
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