A-1 Peck Defensive Driving Course offers the New Jersey Violators Point and Insurance Reduction Program. This NJ State approved course can help reduce accidents and violations as well as reduce two points from your driving record. At time of renewal, your insurance rates will also be reduced. You may apply only once every five years for point reduction and once every three years for insurance reduction. To enroll in the Defensive Driving Course, please accurately complete this application.