New Jersey Defensive Driving
Which Course Do I Take?
Point Reduction + Insurance Discount
Take this course if ...
You want 2 points removed from your record.
You want to obtain a discount on your insurance.
This course removes 2 points from your record and qualifies you for a discount on your insurance.
We notify the New Jersey Motor Vehicle Commission that you completed defensive driving.
Be sure your insurance company offers discounts for defensive driving.
Insurance Discount Only
Take this course if ...
You want an insurance discount.
You do not need point reduction.
This course qualifies you for a discount on your liability insurance.
Be sure your insurance company offers discounts for defensive driving.
Mature Driver (55 Years or older)
Take this course if ...
You want to obtain an insurance discount.
You (optionally) want points removed from your record.
This course qualifies mature drivers for a discount on insurance. New Jersey law mandates
that insurance companies provide a minimum 5% discount for up to three years. You must contact your insurance company to get the exact discount.
In addition up to 2 points are removed from your driver record in the event your record has points.
We notify the New Jersey Motor Vehicle Commission that you completed defensive driving.