With the National Safety Council’s new DDC-NY Online program, learning to drive defensively just got easier and more economical. The course can be completed entirely online at your own pace. Completion of this New York State DMV-approved Point and Insurance Reduction Program provides a 10% reduction, for 3 years, of the motorist's liability, no-fault and collision insurance premiums. In addition to the insurance reduction, this program also enables you to reduce up to four points on your driving record.