Transportation & Mobility · Surprise rank #373
Take This $30 Course and Force Your Auto Insurance to Drop 10% for 3 Years
NY law mandates a 10% base-rate reduction on liability and collision insurance for three years if you complete a DMV-approved Point and Insurance Reduction Program course.
Who
Principal operators of New York-insured vehicles who complete an approved course.
What to do
Start here: Choose a course from DMV's approved sponsor list and confirm how the insurer applies the discount.
Eligibility: Complete an approved course and submit/confirm the certificate with the insurer.
What you get
Completing a New York DMV-approved Point and Insurance Reduction Program course produces a mandatory 10% reduction in the base rate of specified auto-insurance coverages for three years.
Benefit: 10% reduction on the base rate for liability and collision premiums, plus eligible point reduction.
Possible value: Often roughly $200–$500 per year, depending on the policy.
Good to know
Important: The reduction applies to the base rate for the principal operator, not necessarily the entire bill. The course must be repeated every 36 months to maintain the benefit.
Availability: Anytime; discount lasts three years from course completion.
Why people miss it: The course is marketed for traffic points, so drivers miss the insurance mandate.
Sources reviewed: Aug 2, 2026