But I admit that each
of these different motivations drives me in part to earn rewards currencies in
lieu of cash back: there are rewards currencies that I know will invariably save me money compared to cash back, there are rewards currencies like Hilton HHonors
points that are so easy to earn and redeem that I'm able to spread my hotel spending evenly throughout the year, and there are currencies I
accumulate just to give myself permission to book trips I might otherwise consider too expensive.
If you
accumulate 12 to 14
points in more than 2 years on your driver record, you may be able to take a Driver Improvement Program (DIP) also known as a
Point & Insurance Reduction Course (PIRP) in
lieu of a 30 - day suspension.