New York runs its two benefits on two different clocks, and plenty of drivers take the course on the wrong one.
Clock one, points: completing a DMV-approved Point and Insurance Reduction Program course reduces up to 4 points on your record, and that benefit is available once every 18 months. The reduction applies to points from violations in the 18 months before completion, so timing matters: take the course after the points exist. Points from a ticket you get next month aren't touched by a course you finished last week.
Clock two, insurance: the same course completion earns a mandatory 10% reduction on your liability and collision premiums, and it runs for 3 years. When the 3 years end, the discount ends, and the renewal move is simply taking the course again. For a lot of New Yorkers with clean records, this is the whole reason PIRP exists: a course every third year as a standing 10% line item against New York premiums, no ticket required.
Notice what that means in combination. A driver using the course for points in year one can retake it in year four for a fresh discount cycle, and the two uses don't interfere; the 18-month point clock and the 3-year discount clock run independently. The state doesn't limit how often you sit the course itself, only how often each benefit pays out.
What no frequency unlocks: dismissal. A New York ticket is never dismissed by a course, at any interval; the fine and conviction stand and the course works on the aftermath.
The full math is on our cost page, and every approved online PIRP course we track is compared on the New York page.