Does it ever seem that you are paying way too much for your auto insurance? Do you have a blemish or two on your record that causes you to miss out on insurance company discounts? There is a way to obtain a large discount that is open to every New York licensed operator: the Defensive Driving Course (DDC). This course carries a 6-hour commitment and may be taken in-person in a classroom setting or over the Internet.
There are no tests and you needn’t get behind the wheel to demonstrate driving acuity. Merely watch some lively videos, engage in some discussions about values, attitudes and behavior, and fill out some Q&A items. Upon completing the 6 hours, typically divided over a couple sessions or accomplished all in one sitting, if preferred, you will be given a certificate which will result in up to 4 points being removed from your driving license. Even if you have no points, this certificate, when remitted to your insurance company, will prompt them to reduce the premium on your Liability, Personal Injury Protection, and Collision premiums by 10% for three years!
You will find the discount greatly exceeds the cost of the course making this a truly valuable investment of your time. A cleaner record, a substantial reduction in your insurance premium and the learning of new information to help make you a better driver…that is a great result!
Brian H. Merriam, CPCU, ARM, AAI
Certified DDC Instructor