A Simple and Sure Way to Reduce the Cost of Your Auto Insurance

By: Advocate Brokerage


 By Ronald Binday

We all seen those comical TV commercials about making a phone call to switch our auto insurance to some big, impersonal company that seems only to exist at the other end of an 800 number.

But for residents of New York State, there’s a much better way that includes keeping your current insurance and the local customer service you know and trust.

All you have to do is complete an approved defensive driving course to earn a 4-point reduction for any motor vehicle violations on your license, plus a mandatory 10% reduction in the base rate of liability, no-fault and collision premiums of your automobile insurance for three years. To make sure all cars receive the credit, each licensed household member should take the course.

A course like the one offered at http://www.newyorksafetycouncil.com/defensive-driving-course.aspx, which is approved and endorsed by the New York Department of Motor Vehicles, is the simple and inexpensive key to savings.

For years, you had to sit though classes and take an exam to pass such an “accident reduction course” under the DMV’s Internet Point and Insurance Reduction Program (IPIRP), and then wait for results to be transmitted to the DMV. Now you can do it from the comfort of your own home with the new online course format, and merely send a copy of your certificate to us here at Advocate Brokerage.

Linked below is a video explaining the benefits you can receive by taking the course.


There is nothing to lose and an improved driver history and insurance break to be gained.  So take some time when it’s too cold, wet or snowy to go outside and learn how to be a better defensive driver and save money on your auto insurance. When you receive the certificate attesting to the completion of the defensive driving course, forward a copy to the account manager at Advocate Brokerage via email or fax and we will be happy to apply your discount.

Happy driving!

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