Frequently Asked Questions

You’ll receive up to a 10% discount on your motor vehicle collision and liability insurance premium each year for up to three years. Don’t wait until your premium expires. The discount applies to the base rate of your automobile and motorcycle insurance premiums, provided you are listed as the principal operator. Check with your insurance carrier for specific details on your total savings. Up to a four-point reduction on your driving record. The Department of Motor Vehicles, may also allow you to receive up to a four-point reduction on your driving record. The course may be taken once every 18 months for the point-reduction benefit.

New drivers just receiving their driver’s license, Experienced New York drivers, Drivers listed as the principal operator on their automobile and/or motorcycle insurance policies, Violators who have incurred points on their driving record,  Novice drivers just receiving their driver’s permit.

Upon completion, American Safety Inc. will mail a Certificate of Completion to the address you provided and  will electronically notify the NYS DMV.  If you are eligible, the DMV will automatically apply the point reduction to your driving record.  You are responsible for submitting the Certificate of Completion to your insurance company, who will automatically apply the discount to your policy.

Yes,  New Jersey Defensive Driving Course is for drivers who want to clear their driving record and to avoid additional insurance premiums. It’s the right course for:  Drivers who received a traffic ticket, Drivers who want to eliminate points on their driving record, Drivers who want to reduce insurance premiums or get insurance discounts.