The Point and Insurance Reduction Program (PIRP) is a DMV-approved course designed to teach motorists critical information about Highway Safety and Accident Prevention.
The course sponsor will mail you a completion certificate within 45 business days after you complete the classroom course (or 14 business days after you complete an online 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 must take the course once every 36 months to maintain insurance reduction benefits.
No. PIRP 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.
Only the principal operator can receive the 10% reduction.
Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the 10% reduction.
Contact your insurance company or agent to learn if both reductions will be given at the same time.