Are New York Online Insurance Discount Courses Worth It?

Are New York Online Insurance Discount Courses Worth It?

Many drivers in New York wonder if taking one of those online insurance discount courses is actually worth. A bunch of different online traffic schools advertise heavily in New York to get people to sign up for one of these courses claiming that if you take their course your insurance company will need to give you a discount which is mandated by law. Seem too good to be true? Actually, it’s not. So let’s get into this.

The Short Answer

First, will give the very short answer for those of you who don’t really feel like reading this entire article. So the short answer is this…

Yes, it is legit. Auto insurance companies are required by New York law to give a discount of 10% to any driver who completes a state approved online traffic school. The discount is required by law to reduce your premiums for a minimum of three years. At the end of those three years you can sign up and take the course again.

So for you sign up for? You can check out all of the reviews that we have of different online traffic schools on this site, but again, this is supposed to be the short answer so the online traffic school that you will want to use in the state of New York for insurance discount purposes is this traffic school right here. Don’t like how that one looks? Try this one instead.

So there you go, the short answer. Yes, it is legit and we have told you the two schools that we would choose from personally. If for some reason you want a longer answer, please see below.

Does A New York Online Insurance Discount Course Really Reduce My Insurance Premium?

As we stated in the short answer above, a New York online insurance discount course really does save you some money on your insurance premium. But maybe you don’t want to take our word for it. No problem, here is the exact same information in a more boring format on the New York state motor vehicles website. It is officially called New York I-PIRP.

How Big Is The Discount?

The discounts itself is 10% but there is another added benefits to taking one of these New York I-PIRP insurance discount courses. In addition to getting the insurance discounts, you will also be able to eliminate up to four points on your driving record. This can reduce your insurance premiums further or prevent your insurance rates from increasing. Please note that you do not need to have any points on your driving record to take advantage of this discount. If you do not have any points on your driving record (good for you!) this will have no effect except as to give you a discount on your auto insurance premium. You will not be able to go into a negative point territory. For example, if you have only two points on your driving record, the insurance discount course will not allow you to go down to -2. You will simply go down to zero. If you already have zero points on your driving record, well, congratulations but you’re not going to be able to affect any future violations. You can only reduce points that already exist on your record today.

Also be aware that your insurance discounts after completing a certified New York online insurance discount course will last for three years. After the three-year period has expired you are allowed to take the course again and receive the same discount.

Can Every Person On My Auto Insurance Policy Complete The Course?

Bring one, bring all! The answer to this is a resounding yes and this is how you truly are able to save you a lot of money over the course of the three-year period that the discount is valid for. From your 16-year-old new driver to your 80-year-old mother, everyone who is under your policy can complete a certified New York online insurance discount course to save additional money. We highly recommend that everyone in your household which is under your insurance policy completes the course. Not only does it save you money, but a little extra education every three years on how to drive safely isn’t such a bad thing in itself, especially for younger drivers or older drivers who have not had any training in many decades.

How Much Does A New York Insurance Discount Course Cost & Is It Worth It?

A typical course will cost less than $30 if you decide to take the New York insurance discount course online. If you factor out the 10% savings on your auto insurance, this will easily pay for itself usually within the first 6 to 12 months. Your return on investment is definitely clear on this one. Spending a few hours going through your traffic school course will save you quite a bit of money over the three years that this course is valid for. If every member on your policy takes the course as well, it becomes even more obvious how big the discount is.

So, that’s pretty much it! If you have any questions about anything that we did not cover or want to give your own feedback about a course that you have taken, please feel free to leave a comment in the comment section below.