How insurance premium reduction works

The Point and Insurance Reduction Program (PIRP) is a DMV-approved course designed to teach motorists critical information about Highway Safety and Accident Prevention. 


How do I get the insurance premium reduction?

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.

Will the PIRP course prevent my insurance company from raising my premiums?

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.

What if more than one person named on a policy completes the PIRP course?

Only the principal operator can receive the 10% reduction.

Will youthful drivers and drivers participating in the assigned risk pool receive the insurance premium discount?

Yes.  Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the 10% reduction.

If a youthful driver is already receiving a driver education reduction, will the PIRP discount also be applied?

Contact your insurance company or agent to learn if both reductions will be given at the same time.


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