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New York Defensive Driving Specialists
Since 1980, we have helped over 4,200,000 drivers keep their driving records clean and insurance rates low. In our 30 years of driver safety education, we have refined our New York point and insurance reduction course to be easy, fast, informative and convenient for any schedule.
Simply enter your first and last name along with your zip code into our exclusive Quick Start online registration and in minutes you are on your way towards reducing four (4) points from the accumulated points you currently have on your driver's license and receiving 10% auto insurance rate reduction for next 3 years. You can also call us toll-free, 24 hours a day, 365 days a year at 800-972-4659 and speak to one of our friendly customer service representatives.
Our New York State DMV approved internet point and insurance reduction defensive driving program consists of:
- Easy-to-read chapters [ Course Sample... ]
- Streaming videos
- Interactive flash animations
- The entire course can be completed online
Our New York State DMV approved internet point and insurance reduction defensive driving course satisfies all New York State and DMV requirements, while allowing you to study at your own pace. If for any reason you are not satisfied with our service before you graduate, we also offer a 100% money back guarantee with no questions asked.
Thank you for giving us the opportunity to serve you.
How it Works
Here is our New York internet point and insurance reduction defensive driving course process, from start to finish. It's as easy as 1-2-3:
- Register HERE for our New York State DMV approved internet point and insurance reduction defensive driving course.
- Study at your own pace through the online course consisting of easy-to-read chapters, interactive flash animations, and open-book multiple-choice quiz questions. You can start and stop whenever you like, and your course progress is saved automatically. The entire course can be completed online.
- Upon successful completion and payment for the course, the DMV will be notified directly about your completion. Your Completion Certificate will also be sent via USPS or FedEx directly to you. It's that easy!
Our New York internet point and insurance reduction defensive driving course is divided into twelve (12) easy-to-read chapters. Each chapter includes a short multiple-choice open-book quiz. Our New York internet point and insurance reduction defensive driving program keeps track of your progress, and you can read as much or as little as you like before logging off. You can then resume the internet point and insurance reduction defensive driving course when your schedule permits.
After you finish the internet point and insurance reduction defensive driving course reading and multiple-choice final exam, you will have passed New York State DMV approved internet point and insurance reduction defensive driving course - and you're done!
Course Details
Our New York internet point and insurance reduction defensive driving course is New York State DMV approved. It is the easiest and best way to attend point and insurance reduction defensive driving program in New York. After enrollment, you choose your own username and password to gain access to our New York internet point and insurance reduction defensive driving course. Our New York internet point and insurance reduction defensive driving program is simple to navigate, easy to read and understand, and perfect for Internet novices and experts alike.
Once you've read through the internet point and insurance reduction defensive driving course materials and answered the multiple-choice open-book quiz questions, you will then complete and submit a multiple-choice final exam. You will know immediately if you have passed our New York State DMV approved internet point and insurance reduction defensive driving program.
Your tuition includes the entire New York internet point and insurance reduction defensive driving program and your official completion certificate. Upon successful completion and payment for the course, the DMV will be notified directly about your completion. Your Completion Certificate will also be sent via USPS or FedEx directly to you.
We created our New York internet point and insurance reduction defensive driving program to be as convenient as possible for any schedule. It is designed as an alternative to a point and insurance reduction defensive driving classroom program, while allowing you to participate in at your own pace from home. You have the option of finishing the entire internet point and insurance reduction defensive driving program in one sitting or, if you prefer, you may use your username and password as many times as you like and complete our New York internet point and insurance reduction defensive driving course reading in increments of time, according to your own schedule. The goal is for you to thoroughly comprehend and absorb the traffic safety information.
If you have any questions or should you require assistance, please feel free to contact us.
Course Benefits
Drivers who participate in our New York State DMV approved internet point and insurance reduction defensive driving course will benefit in several ways. We are approved by New York State DMV, so you can be certain your internet point and insurance reduction defensive driving program completion will be honored.
Traffic citations have points attached to them. The conviction typically appears on your official New York State DMV driver record, as will the points, and this can lead to a suspension of your driving privilege and auto insurance rate increases. Upon successful completion of our New York internet point and insurance reduction defensive driving course, four (4) points will be reduced from the accumulated points you currently have on your driver's license and you will also receive 10% auto insurance rate reduction for next three (3) years.
Additionally, points on your official New York State DMV driver record can lead to increased auto insurance premiums. So attending our New York internet point and insurance reduction defensive driving course can save you money!
Your employer may also require you to complete our internet point and insurance reduction defensive driving program to reinforce safe driving habits and enhance your knowledge of traffic laws. You may also take our New York internet point and insurance reduction defensive driving course voluntarily at any time should you desire a refresher course on traffic safety. Parents take note: many of our customers have their teenagers take our New York internet point and insurance reduction defensive driving course as a way of helping to ensure their safety behind the wheel.
Thank you for giving us the opportunity to serve you.
Special Discounts
We offer special discounts to:
- Active Military Personnel
- Seniors
- Students
- Veterans
Simply call us toll-free, 24 hours a day, 365 days a year at 800-972-4659 and speak to one of our friendly customer service representatives to receive your internet point and insurance reduction defensive driving course discount. It's that easy!
Thank you for giving us the opportunity to serve you.
Course Price
Successfully completing our New York State DMV approved internet point and insurance reduction defensive driving program will allow you to reduce four (4) points from the accumulated points you currently have on your driver's license and receive 10% auto insurance rate reduction for next three (3) years.
Our New York State DMV approved internet point and insurance reduction defensive driving course is affordable for every driver. Our everyday low price for the entire DMV approved online course is just $49.95, and includes all of the following:
- All elements of the online course, including easy-to-read chapters, open-book multiple-choice quizzes and final exam, and your Completion Certificate. [ Course Sample... ]
- Immediate access to our online course and FREE Live Customer Support - 24 hours a day, 7 days a week
- FREE instant notification of your course completion sent to the New York State DMV
Regular classroom point and insurance reduction defensive driving school courses charge similar fees but don't offer the convenience of an internet point and insurance reduction defensive driving course that fits any schedule, or the peace of mind that 24/7 Live Customer Support provides.
The tuition you pay guarantees that you will receive the finest educational materials, the best customer service and the most dependable and hassle-free internet point and insurance reduction defensive driving program in New York.
Thank you for giving us the opportunity to serve you.
First Time User
If you've never attended New York State DMV approved internet point and insurance reduction defensive driving program before, don't worry, we have 30 years of experience making online learning as simple and trouble-free as possible.
Driving is a privilege, not a right. If you break traffic laws, your driving privileges could be suspended or revoked resulting in fines and even imprisonment. The seriousness of your violations - and resulting penalties - are tracked by New York State DMV using a point system.
If you are convicted of a moving violation, the DMV will penalize you by adding points to your driving record. You will only get points on your record for moving violations - points are not assessed for parking and other violations. A table is provided below for more information on the number of points earned for specific violations.
You will lose your driver's license if your DMV driving record shows:
- 11 or more points in an 18-month period
- 3 speeding violations in an 18-month period
- convictions involving alcohol or drugs
How can I get rid of points on my record?
Although New York State DMV keeps a permanent record of all the points you've earned, it is possible to earn point deductions by taking a qualified internet point and insurance reduction defensive driving course approved by the New York State DMV.
Successful completion of our New York State DMV approved internet point and insurance reduction defensive driving course will allow you to reduce four (4) points from the accumulated points you currently have on your driver's license and you will also receive 10% auto insurance rate reduction for next three (3) years.
We urge you to do everything possible to keep points off your driving record, which means obeying all traffic laws, driving defensively and completing our New York State DMV approved internet point and insurance reduction defensive driving course. Receive a four (4) point reduction on your driving record and a 10% auto insurance rate reduction, and protect your driving privilege. Click HERE to register.
The Point System
All moving violations have points attached to them. Most are three (3) to five (5) point violations (speeding, illegal turn, stop sign, etc). An excessive number of points on your official New York State DMV driver record will result in your driving privileges being suspended or revoked resulting in fines and even imprisonment.
Here is a list of the most common violations and their point values:
Speeding 1 to 10 (mph over posted limit) |
3 points |
Speeding 11 to 20 (mph over posted limit) |
4 points |
Speeding 21 to 30 (mph over posted limit) |
6 points |
Speeding 31 to 40 (mph over posted limit) |
8 points |
Speeding More than 40 (mph over posted limit) |
11 points |
Reckless Driving |
5 points |
Failure to stop for a School Bus |
5 points |
Following too closely (tailgating) |
4 points |
Inadequate Brakes |
4 points |
Inadequate Brakes (while driving employer's vehicle) |
2 points |
Failing to Yield Right-Of-Way |
3 points |
Violation Involving Traffic Signal, Stop Sign, or Yield Sign |
3 points |
Railroad Crossing Violation |
3 points |
Improper Passing or Lane Use |
3 points |
Leaving scene of an incident involving |
3 points |
Safety restraint violation involving person under 16 |
3 points |
Any other moving violation |
2 points |
Are You Eligible?
To be eligible to attend our New York State DMV approved internet point and insurance reduction defensive driving program:
You must not have attended point and insurance reduction defensive driving program on another traffic citation issued within the last eighteen (18) months of your current traffic citation (unless ordered or allowed to do so by the DMV or Court). The 18 month period is calculated from the traffic citation/violation date, not point and insurance reduction defensive driving class attendance date.
If you are ineligible for a point and insurance reduction defensive driving program, your completion certificate may not be accepted by the DMV.
Internet Point & Insurance Reduction Program
The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called "course sponsors", throughout New York State. Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved PIRP course:
1. It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today's vehicle and traffic laws.
2. You may be eligible to reduce as many as four (4) points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction.
3. If you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.
Questions and Answers about the course
Q. How much time does the PIRP course take, what is it like and what does it cost?
A. Beginning in 2009, you will have two options for completing the PIRP course. Your options will be the traditional classroom method or an Alternate Delivery Method (ADM), such as the Internet or other DMV approved method. Regardless of the delivery method, each course is at least six hours long. (Note: The motorcycle safety/accident prevention courses take substantially longer and are only available in a classroom setting). Essential information about traffic safety issues such as driver attitude and behavior, defensive driving techniques, and the Vehicle & Traffic Law must be presented in each course. For both the classroom and ADM methods, additional content, approach, materials and fees vary from one sponsor to the next.
Information specific to the classroom course:
The course is presented in one or more classroom sessions and attendance is mandatory. No formal testing is required to complete the course. For information on where to attend a course, please call us at 800-839-1219 (toll-free).
Information specific to the alternate delivery method:
The course will be a minimum 320 minutes. Once you register with a sponsor, you have up to 30 days to complete the course. During the course, you will be asked to identify yourself with information given at registration. To ensure that you are taking the course, you will also be asked questions regarding the content. For information on how to attend a course, please call us at 800-972-4659 (toll-free).
Point Reduction
Q. After I complete the PIRP course, how do I receive the point reduction?
A. The PIRP sponsor will notify the DMV within ten weeks after you complete the course. A notice will then be entered on your driving record, and the DMV computer will automatically reduce your active point total by up to four points. Important: Completion of a course under the "Point & Insurance Reduction Program" does not remove, delete, subtract, or erase any violation, conviction, or notice of original number of points from your driving record. Even after you complete the course, most violations, conviction and points assessed will continue to show on your driving record for up to four years. Violations and convictions involving drugs or alcohol will remain on your driving record for ten years. "Point reduction" means the DMV will not count up to four points on your driving record toward license revocation or suspension.
Q. How do I know my driving record shows my PIRP course completion?
A. If you need to verify the course completion has been entered on your record, you may request a copy of your driving record from the DMV. To do so, please call us at 800-972-4659 (toll-free). If your course completion is not noted on your driving record more than ten weeks after you completed it, contact the course sponsor.
Q. What effect does point reduction have on my license and driving record?
A. Point reduction applies only to points assessed for violations that occurred within the eighteen months immediately before course completion. It does not affect points for earlier violations, and cannot be used as "credit" against future violations or points. Point reduction cannot reduce your point total lower than zero. If your license has already been revoked or suspended, or if a violation hearing has already been scheduled, point reduction will not affect that action. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speeding violations within 18 months. Points may be reduced only once in any 18-month period. The DMV point system and insurance company "point" systems are separate and not related. Point reduction on your driving record does not affect points assigned by your insurance company for violations and accidents. Completion of a course under the "Point & Insurance Reduction Program" also cannot prevent or reduce the calculation of points affecting a "Driver Responsibility Assessment".
Insurance Reduction
Q. After completing the PIRP course, how do I receive the insurance reduction?
A. The course sponsor should mail you a completion certificate within 45 days after you complete the course. If you present your certificate to your insurance company or agent within 90 days after course completion, your liability and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you present your certificate more than 90 days after course completion, the insurer may issue the premium discount effective from the date presented. If you do not receive your certificate within eight weeks after completion, immediately contact the program sponsor. You may take the course once every 36 months to maintain insurance reduction benefits.
Q. Will the PIRP course prevent my insurance company from raising my premiums?
A. No. Insurance reduction does not prevent general premium increases, or premium increases due to violations or accidents. It provides a 10% reduction for three years, from the base rate of your current liability, no-fault and collision premiums.
Q. What if more than one person named on a policy completes the PIRP course?
A. The insurance premium reduction applies to all motor vehicles principally operated by the motorist who completes the course. The reduction can be applied to only one driver for each covered vehicle.
Q. If I complete a DMV approved motorcycle safety/accident prevention course, does the insurance reduction benefit extend to my automobile coverage?
A. Yes. The reduction applies to the liability and collision insurance premiums for both your motorcycle and automobile.
Q. Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount?
A. Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the reduction.
Q. If a youthful operator is already receiving a driver education reduction, will the PIRP discount also be applied?
A. Check with your insurance company or agent to find out if both reductions will be given at the same time.
DMV Point System Summary
The following table shows the point values assigned to moving traffic violations. The "points" are assessed against your driving record based on the date you committed the violation, not the date you were convicted in court. If you accumulate 11 or more points in 18 months, you will be called to a DMV hearing, after which your license may be suspended or revoked. You will be offered the option of waiving the hearing or accepting a definite period of suspension. Some license revocations and suspensions are mandatory and do not depend on points. These include three speeding violations within 18 months, and convictions involving alcohol or drugs.
Speeding 1 to 10 (mph over posted limit) |
3 points |
Speeding 11 to 20 (mph over posted limit) |
4 points |
Speeding 21 to 30 (mph over posted limit) |
6 points |
Speeding 31 to 40 (mph over posted limit) |
8 points |
Speeding More than 40 (mph over posted limit) |
11 points |
Reckless Driving |
5 points |
Failure to stop for a School Bus |
5 points |
Following too closely (tailgating) |
4 points |
Inadequate Brakes |
4 points |
Inadequate Brakes (while driving employer's vehicle) |
2 points |
Failing to Yield Right-Of-Way |
3 points |
Violation Involving Traffic Signal, Stop Sign, or Yield Sign |
3 points |
Railroad Crossing Violation |
3 points |
Improper Passing or Lane Use |
3 points |
Leaving scene of an incident involving |
3 points |
Safety restraint violation involving person under 16 |
3 points |
Any other moving violation |
2 points |
For more information on New York internet point and insurance reduction defensive driving program, please visit NYS DMV I-PIRP website.
Thank you for giving us the opportunity to serve you.
Four Point Reduction
Successfully completing our New York State DMV approved internet point and insurance reduction defensive driving program will allow you to reduce four (4) points from the accumulated points you currently have on your driver's license and receive 10% auto insurance rate reduction for next three (3) years. We have made this process as easy as 1-2-3:
- Register HERE for our New York State DMV approved internet point and insurance reduction defensive driving course.
- Study at your own pace through the online course consisting of easy-to-read chapters, interactive flash animations, and open-book multiple-choice quiz questions. You can start and stop whenever you like, and your course progress is saved automatically. The entire course can be completed online.
- Upon successful completion and payment for the course, the DMV will be notified directly about your completion. Your Completion Certificate will also be sent via USPS or FedEx directly to you. It's that easy!
If you have further questions, please consult our 1st Time User or How it Works pages, or call us toll-free, 24 hours a day, 365 days a year at 800-972-4659 and speak to one of our friendly customer service representatives.
Thank you for giving us the opportunity to serve you.
Auto Insurance Reduction
Successfully completing our New York State DMV approved internet point and insurance reduction defensive driving program will allow you to receive 10% auto insurance rate reduction for next three (3) years. In addition, four (4) points will be reduced from the accumulated points you currently have on your driver's license.
Auto insurance companies base your insurance rates on many factors. A key factor in determining your risk as a driver is your official New York State DMV driver record. Every time you receive a moving violation, points are added to your DMV driving record, resulting in higher insurance rates.
You can avoid all of this by taking our New York State DMV approved internet point and insurance reduction defensive driving course, which will reduce four (4) points from the accumulated points you currently have on your driver's license and you will also receive 10% auto insurance rate reduction for next three (3) years. This keeps your DMV driving record clean and your insurance rates low.
Auto insurance companies will offer a rate reduction of 10% for simply voluntarily finishing our New York State DMV approved internet point and insurance reduction defensive driving program.
If you have further questions, please consult our 1st Time User or How it Works pages, or call us toll-free, 24 hours a day, 365 days a year at 800-972-4659 and speak to one of our friendly customer service representatives.
Thank you for giving us the opportunity to serve you.
Last Minute Due Date
Last minute? Don't worry! With availability of our FedEx Next-Day Air Service, you can receive your New York internet point and insurance reduction defensive driving program Completion Certificate in as little as 24 hours!
For your convenience, we will also instantly deliver your New York internet point and insurance reduction defensive driving course Completion Certificate directly to the New York State DMV, FREE of charge.
Click HERE to enroll and choose the option that best fits your situation. Unsure what delivery service you need? Our friendly, 24/7 Customer Service reachable at toll-free, 800-972-4659 is here to help you with any questions you might have.
Thank you for giving us the opportunity to serve you.
Contact Us 24/7
If you have any questions or need assistance, please call us toll-free, 24 hours a day, 365 days a year at 800-972-4659 and speak to one of our customer service representatives.
Our friendly and knowledgeable staff can assist you with any course-related questions and technical issues.
Toll Free 24/7 Phone #: 800-972-4659
Fax: 800-290-2806
TDD: 711
Mailing Address:
295 Greenwich Street, Suite 350
New York, NY 10007
Thank you for giving us the opportunity to serve you.
Trouble Logging In
If you have forgotten your username/password, or have any other trouble logging into our New York internet point and insurance reduction defensive driving course, we're available 24/7 toll-free at 800-972-4659.
About Us
USA Training Company, Inc. is a New York State DMV approved internet and classroom point and insurance reduction defensive driving program sponsor and is the premier provider of driver safety education and professional training services on the web.
USA Training Company, Inc. operations began in 1980, offering specialized driver safety education courses and auto insurance premium reduction programs. Since that time, the company and its partners have expanded nationally graduating over 4,200,000 students. Company principals have been involved in the traffic safety business since 1967, with a knowledge base of over 50 years worth of experience.
Today, the company continues to set the standards of service, convenience and affordability for Internet students. All internet courses are hosted on a company-owned network of servers, all redundant and balanced to insure site uptime.
Open seven days a week with live phone staff dedicated to answering student calls, USA Training Company, Inc. prides itself in serving customer needs. Whether it is technical support, clarification on a test question, or just basic help with the computer, knowledgeable customer service representatives are always standing by, eager to be of help.
USA Training Company, Inc. provides a complete range of online driver safety education programs, professional license training services and continuing education courses. The company's staff develops and administers all aspects of its courses to the highest standards in the industry. USA Training Company, Inc. is committed to its students and offers them the best online education available through superior website functionality, rich course content and 24/7 customer service.
USA Training Company, Inc. is committed to its mission. The magic of the Internet affords the user exposure to worlds and concepts they once couldn't even imagine. Traffic safety education online, in particular, allows those often excluded from classroom settings the opportunity to participate in a valuable learning process. Busy working professionals, stay-at-home parents, the physically challenged, or those simply unable to locate a convenient classroom location, can now experience traffic safety education from their home or office.
If you would like further information about the company, the services we offer, or would simply like to comment, please feel free to contact us.
Thank you for giving us the opportunity to serve you.
