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Simple | Defensive Driving & Traffic School Online



Reasons to Take the Course

Aside from learning how to drive more safely, why would you want to dedicate an afternoon of your busy life to taking New York traffic school? There are a couple of reasons that taking a New York defensive driving class is worth your while. First of all, if you’ve been convicted of a traffic violation, the state will add New York driving points to your license. The amount of points you get depends on the violation. Here are some common reasons for receiving a traffic ticket, along with the point values for each infraction:

  • Speeding 1-10 mph over the speed limit:  3 points
  • Speeding 11-20 mph over the posted speed limit: 4 points
  • Speeding 21- 30 miles per hour over the limit: 6 points
  • Reckless driving: 5 points 


What do driving points mean to you, anyway? The DMV keeps track of the violations you’ve committed and the amount of points against your license. If you get too many points, they will start charging you an annual amount called a surcharge through the Driver Responsibility Program. If you get more than 11 points against your license within an 18 month period, you may lose your license altogether. However, taking a New York defensive driving class can result in up to 4 points being taken off of your record through the Point and Insurance Reduction Program (PIRP). Approved New York defensive driving classes that are part of this program are called PIRP classes. The New York DMV does not consider this point reduction when it considers whether or not to add a driver responsibility surcharge to your license, but the point reduction does count in your favor if they are considering suspending or revoking your driver’s license. 


Also, driving points are one of the primary ways that auto insurers decide how much to charge you. Just one violation can cause your auto insurance premium to jump astronomically. Insurance companies use the number of points on your record to determine how much of a risk you represent to the company. To an insurance company, more points mean more risk, and they will surcharge you accordingly. The number of points on your record also affects what rating tier your auto insurance company places you in, which determines your base premium.

 

Yikes! What can you do to keep from getting surcharged or placed in a high-risk tier? Naturally, the best thing to do is to make sure you obey all New York traffic laws. If it’s too late for that, taking a defensive driving course can help. Unlike many states, New York will not dismiss a traffic ticket in exchange for you taking a defensive driving course. However, every New York driver that completes a defensive driving course and presents their certificate of completion to their insurance company will receive a 10% discount off of the base premium for their auto insurance. Now, even though the defensive driving course takes points off of your New York driving record, that won’t stop your insurance company from surcharging you for accidents or violations. What it will do is provide a discount that may help offset some of those surcharges. That’s still a big deal, especially since the discount is good for three years.

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