The Point & Insurance Reduction Program (PIRP)—also known as Defensive Driving—is a 6-hour DMV-approved course designed to refresh safe driving skills, reduce active points, and lower auto insurance premiums.
Key Course Benefits
- 10% Auto Insurance Discount: Receive a mandatory 10% discount on auto liability, collision, and personal injury protection (PIP) premiums annually for 3 years.
- Up to 4-Point Reduction: Subtract up to 4 active points received within the last 18 months to help prevent license suspension.
Important PIRP Details
- Format Options: Available 100% online (IPIRP) or through traditional in-person classroom courses.
- Frequency: Insurance discounts apply once every 3 years; point reduction benefits apply once every 18 months.
- Limitations: PIRP does not erase conviction records, cancel Driver Responsibility Assessment (DRA) fees, or prevent mandatory suspensions.