You would need to speak with your insurance company.
They can tell you more about your premiums.
Ok; how can I reduce my points on my record then?
If you find an accredited cours,e they will give you all the pertinent information.
They'll tell you everything you need to know.
Will my discount begin immediately according to NY law?
Immediately, retroactive to date of course completion.
Will taking the PIRP ensure I can't get a premium increase?
Yes and no. It does not cover overall or violation increases. It does provide a 10% reduction for three years for no fault and current liability.
When will that take place?
It can be issued as soon as the date of completion, potentially retroactively, depending on the insurer.
Sounds good to me.