6-Hours Point and Insurance Reduction Course New York State Defensive Driving Workshops ALL TWU Local 100 Brothers and Sisters are eligible. $20 fee for MTA Bus, Private Lines, Retirees and Spouses. • Refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today’s New York State vehicle and traffic laws. • Eligibility to reduce as many as four (4) points on your driving record. • Receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance each year for three years.