The defensive driving course NY offers a fun and easy way to lower your auto insurance rate, reduce points from your license, and get a traffic ticket dismissed. Our New York state-approved defensive driving programs offer a break from the normal boring classroom setting. If you are looking for creative ways to save on expenses, see what taking this course can do for you. NY state mandates a 10% reduction in car insurance premiums and the removal of up to 4 points from your driving record.