I'm in OH. Just a few words from my experiences.
Last summer, got 8pts total. I just paid my renewel in June, the week I got my first two points, I paid for the year.
My truck ins. went up in october. There was no way to drop points per. the DMV clerks. Nothing I found online seemed to help my truck ins. either, the company wouldn't accept the online safety instruction certs, so it would be a waste of money and time. This is dependent on your ins. company though. Perhpas my m/c company (progressive) would take 2 pts worth or cost off if I did it, but it is not neccessary yet.
FF to this May. Got my yearly renewel notice in the mail for the mc. Nothing. Same as last year and the year before! I am kinda bummed that since I turn 21 the week the ins. cycle starts/ends that it didn't go down, but I went from 0 to 8 pts w/o a change in the m/c ins., which is killer.
Your points are dropped after 3 years, in OH I know that for sure, don't have a clue about other states.
Consider it the speed tax.