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Completion of this New York DMV-approved Point and Insurance Reduction Program (PIRP/IPIRP/Defensive Driving Course) provides a 10% reduction, for 3 years, of the motorist's liability, no-fault and collision insurance premiums. The entire course is available 100% ONLINE. You can work at your own pace and there is NO CLASSROOM REQUIRED. In addition to the insurance reduction, this program also enables you to reduce up to four points on your driving record. Plus, there are NO HIDDEN FEES with our program. Your course fee covers the course, issuance of your completion certificate and the automatic, electronic reporting of your successful completion of the course to the New York DMV. Register Today. Now, let's get started!