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Point & Insurance Reduction Program

The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called “course sponsors,” throughout New York State. Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness.

Here are the key points about the New Jersey Point and Insurance Reduction Program:

  1. Eligibility:
    • Drivers with a New Jersey driver’s license are typically eligible to participate in the program.
  2. Defensive Driving Course:
    • Participants must complete an MVC-approved defensive driving course. The course covers safe driving techniques, traffic laws, and other relevant topics.
  3. Point Reduction:
    • Upon successful completion of the defensive driving course, eligible drivers can receive a reduction of up to two points from their driving record.
  4. Insurance Premium Reduction:
    • Participating in the PIRP may also make drivers eligible for a discount on their auto insurance premiums. However, the specific discount and eligibility criteria may vary among insurance providers.
  5. Frequency of Participation:
    • In New Jersey, drivers can take the defensive driving course for point reduction once every five years.
  6. Online and In-Person Options:
    • Some approved courses are available both online and in-person, providing flexibility for participants.
  7. Course Length:
    • The defensive driving course typically lasts for six hours, including breaks.
  8. Certificate of Completion:

    • After successfully completing the course, participants receive a certificate of completion. This certificate should be submitted to the MVC to ensure that the point reduction and insurance discount are applied.

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