"Point reduction" means the DMV may perhaps not enumerate up to four points against your driving record toward revocation or suspension of your driver license.

Point reduction applies only to points for infractions that have occurred within the 18 before course completion. It does not affect points for earlier violations, and cannot be carried forwarded as "credit" against future violations or points. Point reductions cannot reduce your point total lesser than zero. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speeding violations within 18 months.

Points may be reduced only once in an 18 month period. If there are no points on your record when you take the course, you must wait 18 months to take the course again to benefit from the program. Point reduction will not affect that action, if your license has already been revoked or suspended, or if a violation hearing has already been scheduled.

Getting points on your driving record affects you in two important ways. First, your driver license may be at stake if you are closer to reach the point limit. If too many points are accumulated within a given time frame are accumulated, your driving "privilege" (i.e. license) can be suspended.

Second, your automobile insurance may increase dramatically. The DMV point system and insurance company "point" systems are separate and not related. Point reduction on your driving record does not affect points assigned by your insurance company for violations and accidents.

Insurance rates are based on statistics and probabilities. Statistics show that the probability of a person getting into an accident increases with the number of traffic violations. The increased probability of an accident raises the risk of loss to the insurance company. The greater the risk, the higher the probability for loss, and thus the higher the insurance premium.

You can reduce up to four points from your driving record and get a concession on your auto liability insurance premiums by completing a DMV-approved accident prevention course. You will receive a minimum of 10% reduction in the base rate of the auto liability and collision insurance premiums each year for three years, providing the motorist who completes the course is the principal operator of the vehicle.

After completion of the program, the DMV is notified for automatic point reduction; within 3 -4 weeks you'll receive a permanent certificate to send to your insurance company for insurance reduction retroactive to the date of the program completion.

Finally, here's the solution to reduce those demerit points and the implicated insurance premiums, a point reduction courses. These courses satisfy the legal requirements to dismiss a traffic ticket or reduce demerit points and the results are obvious. In addition to this, the point reduction courses will refresh your driving abilities. Those of you aspiring to seek one, do check the court approval as well verify the discount eligibility with your insurance provider.