Defensive Driving

The New York State Point/Insurance
Reduction Program

REDUCE Your Auto Insurance

REDUCE Your Violation Points

Sharpen Your Driving Skills!

Enroll in the National Safety Council's 6 hour Defensive Driving Course

Approved by the Department of Motor Vehicles

Call 1-518-438-2365

NENY Safety Council's Online Defensive Driving Course

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:

  • Automobiles
  • Trucks
  • Recreational vehicles
  • Motorcycles

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 license.

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.)

Easy Enrollment

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.

Copyright 2007 Northeastern New York Safety & Health Council, Inc. - All Rights Reserved