New York State Point/Insurance
REDUCE Your Violation Points
Sharpen Your Driving Skills!
Enroll in the National Safety Council's 6 hour Defensive
Approved by the Department of Motor Vehicles
If you are the principal operator of a
motor vehicle, you will receive a minimum 10% discount on the base rate
of your current liability, no-fault and collision premiums (including
property damage, bodily injury and personal injury protection) each
year for three years.
To be eligible, complete the Defensive Driving Course
(DDC) through one of our approved training agencies.
Your three-year discount will apply to premiums to all
vehicles for which you are listed as principal operator, including:
- Recreational vehicles
Four (4) points will automatically be deducted from the
total on your driver record if you have incurred violations during the
18-month period prior to completing DDC.
The point reduction could help you avoid a license
suspension! Points which are reduced remain on record but are not
counted by the DMV in determining administrative actions against
Please note, the point reduction will not cancel a
mandatory suspension or revocation, e.g., three (3) speeding
convictions within 18 months; nor will it cancel any action which is
already being taken against a motorist's driving privileges.
Who is Eligible?
- Youthful drivers
- Experienced drivers
- Mature drivers
- Assigned risks - reduction in liability base rate
regardless of driver record
- Commercial vehicle policies - where there is clearly
defined principal operator or all drivers complete DDC! (Experienced rated policies excepted. However,
improved driving experience, as a result of DDC completion, will result
in lower premiums... the reduction can be much greater than the 10%
required by law.)
For a course in the Albany Area see our schedule and Call 518 438-2365 for more information
or to register. You may also contact any of our approved training agencies.