The State of New Jersey regulates that the defensive driving class may be taken once every three years for insurance reduction and once every five years for point reduction.

Points are only removed from a MVC driving record.  An insurance company can surcharge points for a total of 39 months, even if they have been removed from the MVC record.

Point reductions become effective at the end of the 6-hour class, but may take up to 3 months to appear on driver’s abstract.  The standard rate of reduction is 5% off the comprehensive portion of the insurance only, which will be reduced for a period of three (3) years, but it could possibly be more depending on your insurance company.