Question 1

Is this online course approved by the New York DMV?

Accepted Answer

Yes. Our Internet Point and Insurance Reduction Program (IPIRP) course is fully approved by the New York DMV as an equivalent to the 6-hour classroom PIRP course.

Question 2

How long is the course?

Accepted Answer

The New York DMV requires at least 320 minutes of instruction. Timers ensure each student spends the required minimum time in the course.

Question 3

How long do I have to complete it?

Accepted Answer

New York law requires completion within 30 days of registration. If you don't finish in 30 days you can re-register at no additional charge, but you must start over from the beginning.

Question 4

Is the entire course online?

Accepted Answer

Yes. You never have to visit a DMV office or classroom to complete the course.

Question 5

How do I pay?

Accepted Answer

Pay via our website using a valid debit or credit card.

Question 6

Is there a final exam?

Accepted Answer

No. At the end of each unit you take a 5-question quiz. State rule requires a minimum 75% score, with three attempts per quiz. Fail the same unit quiz three times and you'll be disqualified and must re-register and start over.

Question 7

Will I receive proof I completed the course?

Accepted Answer

Yes. Per New York DMV rules, your certificate of completion is processed within 1 business day and mailed via USPS; expect delivery within 5–7 business days. It is included in your course fee. You may upgrade to Standard Overnight delivery during registration for an additional fee. Turn the certificate in to your insurance company for your 10% discount. Your completion is also reported electronically to the NY DMV within 5 business days for point reduction, if eligible.

Question 8

Can the course be taken on a mobile device?

Accepted Answer

Yes. The course is mobile-friendly and runs on nearly any tablet, smartphone, laptop, or desktop with an updated browser (JavaScript and cookies enabled).

Question 9

How is the auto insurance reduction applied?

Accepted Answer

After turning in your certificate, a minimum 10% reduction applies to the base rate for your liability and collision premiums for three years. You can renew it after each 3-year period.

Question 10

Will the course also reduce "insurance points"?

Accepted Answer

No. Point reduction applies only to DMV-assigned driving-record points. Insurance carriers use their own separate point systems, and IPIRP has no effect on those.

Question 11

How soon will the insurance reduction be applied?

Accepted Answer

Turn in your certificate within 90 days of completion for the discount to apply retroactive to your completion date. After 90 days, most insurers apply it starting from the date you present the certificate.

Question 12

How often can I take the course for an insurance reduction?

Accepted Answer

Once every 36 months — you can renew indefinitely to maintain your discount.

Question 13

What is meant by "point reduction"?

Accepted Answer

The New York DMV won't count up to four points on your record toward license suspension or revocation. It only applies to points received within the 18 months prior to completing the course and can't be used as credit toward future tickets. Point reduction cannot take your total below zero.

Question 14

How often can the course be taken for point reduction?

Accepted Answer

Once in any 18-month period.

Question 15

Do I have to notify the DMV to get my point reduction?

Accepted Answer

No. We notify the DMV once you've completed. The DMV notes your completion and reduces your active point total by up to four points.

Question 16

How does the course affect an already suspended license or pending suspension?

Accepted Answer

It doesn't. If your license has already been revoked or suspended, or a violation hearing has already been scheduled, point reduction will not affect that action.

Question 17

Will the course remove violations or convictions from my record?

Accepted Answer

No. Violations and convictions remain on your record for up to four years (10 years for drug or alcohol-related offenses).

Question 18

What if I need a duplicate certificate?

Accepted Answer

Call 1-800-558-9887. A $10 fee applies, waived if requested within 60 days of issuance, the original was not received, and no changes are needed.

Question 19

How will I know I got credit?

Accepted Answer

Request a copy of your driving record from the DMV using form MV-15. If your completion isn't posted more than 10 weeks after finishing, call 1-800-558-9887.

Question 20

What is your refund policy?

Accepted Answer

Full refund within 60 days of registration if you haven't completed the course or been disqualified for failed validation or quiz questions. Call 1-800-558-9887 9AM to 6PM EST, Monday to Friday, excluding holidays.

Question 21

Will my insurance company actually honor this course?

Accepted Answer

Yes. New York is one of the few states that requires all auto insurance companies to give a 10% discount for three years, but only for completing a New York DMV approved course. The good news is that ours is approved so you can rest easy. If you have any further questions about your policy we recommend contacting your insurance provider.

Question 22

Will the court / DMV accept an online course?

Accepted Answer

Yes. If you have a New York driver's license, your completion is filed electronically to the NY DMV within 5 business days for them to apply the point reduction benefit, if eligible. If you have the option through a court to complete the course to have a ticket dismissed (sometimes referred to as Traffic Diversion Program), this course should be accepted, however check with the court if the online option is acceptable in your case — in most jurisdictions it is.

Question 23

What if I fail an end-of-chapter quiz?

Accepted Answer

NY DMV rules allow three attempts per unit quiz. Fail the same quiz three times and you'll be disqualified and must re-register to start over.

Question 24

How fast will the state see my completion?

Accepted Answer

We file your completion electronically with the New York DMV within 5 business days (Monday–Friday, excluding holidays) so they can apply any point reduction benefit you may be eligible for.

Question 25

What devices can I use?

Accepted Answer

Anything with a modern browser — laptop, desktop, tablet, or phone. Your progress syncs automatically so you can switch devices mid-course.

Question 26

What does the course price include — any hidden fees?

Accepted Answer

No hidden fees. The price covers the course, end-of-chapter quizzes, certificate generation, and electronic state reporting. The only optional add-on is overnight certificate delivery if needed.

Question 27

What if I'm not satisfied?

Accepted Answer

We offer a 100% money-back guarantee within 60 days of registration. You are not eligible for a refund if you have already passed the course or if you are disqualified for ID verification. Otherwise, call or email and we'll process the refund — no questions designed to trip you up.

Item	Included with your $24.95 enrollment
Course price	$24.95
State approval	New York DMV Approved
Typical time to complete	6 hours — log in and out as often as you need
Device	Any phone, tablet, laptop or desktop with a browser
Format	Video and interactive animations — not a wall of text
Passing score	75% (4 of 5) on each end-of-unit quiz. Three attempts per unit; fail the same quiz three times and you'll be disqualified and must re-register.
Certificate Processing	Processed within 1 business day and mailed via USPS; expect delivery within 5–7 business days at no extra charge. Standard Overnight delivery available as an upgrade.
State Reporting	Filed electronically to the NY DMV within 5 business days for point reduction.
Money-back guarantee	Full refund within 60 days of registration if you have not passed, been disqualified, or already been reported (see FAQ for details)
Phone support	(800) 558-9887 - 8AM-6PM EST, Mon - Fri, 8AM-4PM EST Sat., excluding holidays.
Company	Driver Training Associates, Inc., in business since 1977

NEW YORK DEFENSIVE DRIVING COURSE

Key reasons.

Insurance Discount

Point Reduction

TLC License

Traffic Diversion

FOUR STEPS AND DONE.

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