** BETTER COUPON FOR ANYONE FINDING THIS OLD THREAD**
NYWINTER09 promo code gets you $15 off. Makes total price for course $19.50!! Same sites apply. http://www.newyorksafetycouncil.com/
See old post below for reference
New York recently passed a law allowing drivers to take defensive driving online. This course gives you a MANDATORY insurance discount for 3 years. You can read about it here: http://www.buffalonews.com/145/story/675959.html
Here is a coupon for the course. You get $5 off at registration by entering NYDD5OFF
Understood, but after the coupon the course is what $43? If you total 3 years of 10% off your premium, I'd say that would account for more than a little ahead. At least for me, that would be somewhere around $380 (and my insurance is fairly reasonable).
jesse223 said: New York recently passed a law allowing drivers to take defensive driving online. This course gives you a MANDATORY insurance discount for 3 years. You can read about it here: http://www.buffalonews.com/145/story/675959.html
Here is a coupon for the course. You get $5 off at registration by entering NYDD5OFF
My full coverage ($100,000 policy) on a 2005 Honda CR-V in Amherst (a north suburb of Buffalo) is $170/6 month. 3 years of 10% off will be $102. hmmmm.... decisions...
Yeah that pay later bit kinda worries me. I guess they do charge to get your certificate processed and mailed right away ($6.95)- whereas these other providers do not. But it looks like standard is "free". hmmm
Is that true about Geico? Will have to call later and find out.
Also, this is not 10% off your entire insurance, just certain parts. I pay $1500/yr with Geico for 2 cars in NJ and my savings was $80 per year. Granted it is a good deal, but not 10% off the total amount.
mushman said: Is that true about Geico? Will have to call later and find out.
Also, this is not 10% off your entire insurance, just certain parts. I pay $1500/yr with Geico for 2 cars in NJ and my savings was $80 per year. Granted it is a good deal, but not 10% off the total amount.In New York, it should be 10% off almost the entire policy. Of course, if you have 2 cars and 2 drivers, you both need to take the class.
As for Geico taking an online course, I would expect that now that New York allows it, they will have to accept it. Previously it was not an option.
Also, as for the AARP course, if you are 50+ it is an option and is a great deal for $10. I actually booked an AARP course at my synagogue. I think a 50+ spouse could have brought a younger spouse but you could not attend if neither of you was 50+. The good news was it was the quickest class I've ever taken, the instructor just showed the movies and discussed some stuff. The bad news was it was the worse Defensive Driving course that I have taken, I learned nothing and the instructor didn't seem to know very much. On the other hand, she was apparently volunteering her time so I did not feel like I could complain about her.
denblagoi said: Progressive told me, they don't provide discount on defensive course, anyone has similar experience?In New York? They shouldn't have the choice -- it is required by law.
billrubin said: denblagoi said: Progressive told me, they don't provide discount on defensive course, anyone has similar experience?In New York? They shouldn't have the choice -- it is required by law.
Yeap in NY. I told the rep over the phone, I have both for me and my wife, and he is like nope just checked, we don't provide a discount for that. I smelled balonney at first, I guess need to call them now.
denblagoi said: Yeap in NY. I told the rep over the phone, I have both for me and my wife, and he is like nope just checked, we don't provide a discount for that. I smelled baloney at first, I guess need to call them now.Yeah, I'd definitely call them. Their brochure (http://www.nydmv.state.ny.us/broch/c32a.htm) doesn't claim it is optional. And I just check the site that is giving the class and they say it the 10% insurance discount is mandatory.
BTW if you take one of these online classes, you may need to take (and pass) quizzes and/or a final exam to get credit. If you take the class in person, all you have to do is show up and sign in. Of course, it is much easier to do it online.
ga522
New Member
posted: May. 26, 2009 @ 1:07p
http://www.nysdmv.com/pirp.htm is a link to NYS DMV to answer all questions but any NY insruance company is required to give you discount. I just took the Improv Class... Yes the improv, they offer Comedy Defensive Driving course that is approved by DMV, www.MYImprovNewYork.com the course was great fun and simple no test, and 100% online. they promised my certifcate within a week. The total fee was 37.95 = i found a coupon promo code ny5 that saves you anohter five bucks...just enter when registering. Beats six hours in a dark room
The discount only for the liability and collision coverage. Another concern is you're only allowed to take traffic school once every 18mo in NY. So if you take this w/o an accident or ticket, if you do happen to get an accident or ticket within the next 18mo, you are not eledgeable to take traffic school again to remove the point from your driving record.
ANightShopper said: denblagoi said: billrubin said: denblagoi said: Progressive told me, they don't provide discount on defensive course, anyone has similar experience?In New York? They shouldn't have the choice -- it is required by law.
Yeap in NY. I told the rep over the phone, I have both for me and my wife, and he is like nope just checked, we don't provide a discount for that. I smelled balonney at first, I guess need to call them now.The discount only for the liability and collision coverage. Also note that if you get a ticket in the next 18 months you will not have an option to reduce NYS points.
If you have a *NYS* ticket in the next 18 months. Out of state tickets (meaning your lic is in NY and you got the ticket in any of the other 49) will not put points on your lic.
<shrug> I still want to reg my car(s) in some middle-of-nowhere state/town that doesn't require inspections and insurance is pennies on the dollar compared to NYC and surrounding.
Thanks OP, i'm all for the online class. Not that i would 8ever* multi-task while taking such an important class. Question for those who have taken it - can you click through if you actually know the stuff or do you have to sit + wait + click + wait + click...?
I mean...it's not like they ever change it and i take it every 3 years. I could pretty much teach the class at this point. <shrug>
chipper1234
Senior Member
posted: May. 26, 2009 @ 4:08p
One more thing...in most cases, you should not assume that you can just look at the premium you are paying today and assume you will get 10% off that. The 10% discount is taken off of the "base" rate. It's from the base rate that all of the surcharges for being a youthful operator, unmarried, tickets etc are calculated.
Example: Base rate for $500 deductible collision coverage is $100 Factor for being unmarried youthful operator = 2.70 Premium = $270 Factor for defensive driver course = -0.10 Net factor = 2.60 Premium = $260
It's still usually more than enough to pay for itself but if the amount of savings is what's driving you, call your insurance company and get a quote first for how much the discount will be.
Someone just posted this to on slickdeals, thought it may answer your question:
Just confirmed: Progressive Insurance accepts these courses. Here is an email I received from them:
Quote : Dear Mr. *********,
Thank you for contacting Progressive. I appreciate this opportunity to assist you.
I can confirm that courses delivered through the Internet may now be acceptable to obtain our accident prevention course discount; however, only select course providers are approved to offer Internet courses.
The following are approved Internet course providers:
Once you complete an approved course, simply provide us with a copy of the certificate of completion and we will be happy to update your policy.
biplab
Happy Member
posted: May. 26, 2009 @ 9:01p
Look up for details on the NYSDMV website about the online classes. http://www.nydmv.state.ny.us/pirp.htm#ipirp
By the way, the cheapest place to take the driver improvement classes is in the county libraries (e.g. Webster public library is offering this for $14 in June), where most of the time it is AARP that delivers the course for $10-$14 (and even participants less than 50 years are eligible). I have taken this at the library twice in the last 6 years at the discounted rate of around $10.
By the way, the cheapest place to take the driver improvement classes is in the county libraries (e.g. Webster public library is offering this for $14 in June), where most of the time it is AARP that delivers the course for $10-$14 (and even participants less than 50 years are eligible). I have taken this at the library twice in the last 6 years at the discounted rate of around $10.AARP doesn't show up @ your link. How did you know it was approved? Text
ANightShopper said: AARP doesn't show up @ your link. How did you know it was approved? Text American Association of Retired Persons = AARP. Go up a little bit above where your link takes you to (which is only for online classes, which AARP does not offer).
billrubin said: ANightShopper said: AARP doesn't show up @ your link. How did you know it was approved? Text American Association of Retired Persons = AARP. Go up a little bit above where your link takes you to (which is only for online classes, which AARP does not offer).AARP actually offers the lest expensive online classes and says they are the same as conventional, but they are not on the DMV online list.
ga522 said: I just took the Improv Class... Yes the improv, they offer Comedy Defensive Driving course that is approved by DMV, www.MYImprovNewYork.com the course was great fun and simple no test, and 100% online.That looks like a great course! I actually have enjoyed taking some of these classes. The best ones are the ones given by ex-cops or insurance adjusters who include real life stories, since the material in the book and the movies are terribly boring. I still do not park at the unprotected end of the aisle in a parking lot as a result of a tip I learned at one of these classes many years ago.
The last two classes I have taken (one at a hospital, one from AARP) have been terrible, both taught by old ladies who really knew very little. But they were cheap, at least.
chipper1234 said: One more thing...in most cases, you should not assume that you can just look at the premium you are paying today and assume you will get 10% off that. The 10% discount is taken off of the "base" rate. It's from the base rate that all of the surcharges for being a youthful operator, unmarried, tickets etc are calculated.I really do not think that this is correct. Do you have experience with this? I can tell you that in New York State I have gotten a sizable discount for all 4 of us, including both of my under-25 kids.
ANightShopper said: The discount only for the liability and collision coverage. Another concern is you're only allowed to take traffic school once every 18mo in NY. So if you take this w/o an accident or ticket, if you do happen to get an accident or ticket within the next 18mo, you are not eligible to take traffic school again to remove the point from your driving record.The course has nothing to do with accidents, at least not in New York. Also, many people take it for the insurance discount, not the point reduction. It is true they do not let you "bank" negative points towards future tickets.
ANightShopper said: AARP actually offers the lest expensive online classes and says they are the same as conventional, but they are not on the DMV online list.Interesting.. I just emailed them to ask the status of NY approval.
The last two classes I have taken (one at a hospital, one from AARP) have been terrible, both taught by old ladies who really knew very little. But they were cheap, at least.
God forbid that driving schools actually TEACH people how to drive!!! How to anticipate the unknown, and how to be prepared for it.
God forbid we require people to learn how to drive stick so that drivers are actually driving instead of being drones that only know how to take it out of "P" and put it in "D" and follow the vehicle infront of them.
God forbid we require drivers know how to fix a flat tire or diagnose simple mechanical failures by the side of the road.
God forbid ban people who fail permit tests for trying again for a year or two.
God forbid we require all applying for a driver's license to have to pass an IQ test.
God forbid we require all applying for a driver's license to speak, read, and understand English. The friggin' signs are in ENGLISH!!!!
If we do all that we will solve not only our traffic congestion problems, we will have safer roads, and will lower our dependance on foreign oil, and will improve air quality.
But, then municipalities will lose a big chunk of revenue generated by ticketing these cluless individuals. Kind of conflict of interest.
blueiedgod said: God forbid that driving schools actually TEACH people how to drive!!! How to anticipate the unknown, and how to be prepared for it.
God forbid we require people to learn how to drive stick so that drivers are actually driving instead of being drones that only know how to take it out of "P" and put it in "D" and follow the vehicle infront of them.
God forbid we require drivers know how to fix a flat tire or diagnose simple mechanical failures by the side of the road.
God forbid ban people who fail permit tests for trying again for a year or two.
God forbid we require all applying for a driver's license to have to pass an IQ test.
God forbid we require all applying for a driver's license to speak, read, and understand English. The friggin' signs are in ENGLISH!!!!
If we do all that we will solve not only our traffic congestion problems, we will have safer roads, and will lower our dependance on foreign oil, and will improve air quality.
But, then municipalities will lose a big chunk of revenue generated by ticketing these cluless individuals. Kind of conflict of interest. Oh, if only....
I would much rather sit at home, online, taking a course if I had to than in a musty library for 5 hours with a bunch of old ladies, at any cost.
kabukicho
Senior Member
posted: May. 27, 2009 @ 6:17p
The online course fee is only $15.95 for AARP members and $19.95 for non-members. Upon completion, you will receive a certificate mailed directly to your home... for AARP... sounds good!
kabukicho said: The online course fee is only $15.95 for AARP members and $19.95 for non-members. Upon completion, you will receive a certificate mailed directly to your home... for AARP... sounds good!And, as was previously mentioned here, the AARP online course does not show up on the list of approved providers for NY residents. Take it at your own risk.
billrubin said: kabukicho said: The online course fee is only $15.95 for AARP members and $19.95 for non-members. Upon completion, you will receive a certificate mailed directly to your home... for AARP... sounds good!And, as was previously mentioned here, the AARP online course does not show up on the list of approved providers for NY residents. Take it at your own risk.I guess they have too much bureaucracy to move forward with such a short notice.
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