A DMV-approved Motor Vehicle Crash Prevention Course reduces your auto liability and collision insurance premiums by at least how much?
-
A.
15 percent
-
B.
25 percent
-
C.
10 percent Correct
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D.
5 percent
The answer is "10 percent"
Completing a DMV-approved Motor Vehicle Crash Prevention Course qualifies you for a reduction of at least 10 percent on the base rate of your liability and collision premiums, and that reduction holds for three years. The same course can take as many as four points off your driving record; the convictions themselves stay on it. Ten percent is the floor the program guarantees, not a cap, so an insurer may discount further.
The traps in the wrong answers
A. 15 percent
Above the guaranteed reduction. The program sets 10 percent as the minimum an insurer must take off the base rate; 15 is a number a particular carrier might reach on its own, not the figure the manual states.
B. 25 percent
Far above the guaranteed reduction. This answer carries over the deeper cut some multi-policy bundles advertise and treats it as the driving-course figure.
D. 5 percent
This answer understates the guaranteed reduction, which is 10 percent. It reaches for the smaller mileage-discount figure many private carriers advertise for low-annual-mileage drivers.
This question tests your knowledge of Insurance & Financial Responsibility in New York. Source: New York State Driver's Manual, "After the Road Test," p.15..
Related New York questions
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