Did you know that our very own, Mel Dunlap, is a certified NY State Defensive Drivers Instructor?
Are you an employer and want him to hold a class for just all of your employees?
He can do that! We also periodically schedule classes we open to the general public.

How is the auto insurance reduction applied?
When you complete the defensive driving course in New York, you receive a certificate of completion that must be turned in to your auto insurance company. When they receive your proof of completion, a minimum 10% reduction will be applied to the base rate of the insurance premiums of your liability and collision insurance. This insurance reduction will remain in effect for three years and you may renew it after each 3-year period has ended.

Will the course also reduce "insurance points"?
The point reduction benefit only applies to driving record points that are assigned by the DMV. Insurance companies have a separate set of points that they use to determine your rates. Taking the course for point reduction will not have any effect on the points your insurance company assigns for crashes or violations.

How often can I take the course for an auto insurance reduction?
The course can be taken once every 36 months (i.e. three years) for this purpose. You can take the course as many times as you wish to maintain your insurance discount.

Will this course prevent my auto insurance rate from increasing?
No, the 3-year, 10% insurance reduction applies to the base rate that is in effect at the time you complete the course, but taking the course will not prevent general premium increases or an increase in rates caused by crashes or violations.

How many points will this course reduce on my New York driving record?
The course will reduce up to 4 points on your record. The actual number of points reduced will be determined by the DMV computer.

If you would be interested in attending one of his classes or scheduling one for your business, contact Mel at 607-734-4295 Ext 744 or mdunlap@perrycarroll.com . You can also see the upcoming schedule of classes available for the Central and Western NY area here.