A Driving Course That Lowers Insurance The TeensDrivingSmart.com Insurance Protection Program offers a 10% reduction in insurance premiums to families with teens who have taken the American Safety Council’s online defensive driving course. This comprehensive, web-based online defensive driving course is approved by the New York State Department of Motor Vehicles and can be taken by your teen at their own pace, any time of day, over a period of 30 days. There is no test at the end so every teen who answers every question receives a certificate of completion. Status of completion is valid for three years and can be renewed. Don’t miss this opportunity to teach your teen smart, safe driving while also lowering your auto insurance premium. Contact us today and get started!