Excellent Driver Discount Plus (SDIP 99)

What does a 99 SDIP mean? An SDIP rating of 99 provides the highest possible insurance premium reduction. You’ll see lower costs to insure your vehicles.

This discount can be applied to your policy if you meet both of the following:

• You have been licensed for at least 6 years.

• You have a completely perfect driving record with zero surchargeable incidents (at-fault accidents or traffic violations) during your 6-year policy experience period.

Note: If you ever lose this status due to a surchargeable incident, your rating will automatically return to 99 after 6 consecutive years of incident-free driving.

Excellent Driver Discount (SDIP 98)

A 98 SDIP still gives you a discount. This discount can be applied to your policy if you’ve been licensed for at least 5 years with a perfect driving record, or if you are not eligible for the Excellent Driver Discount Plus.

You’ll also qualify for this discount if:

• You have at least 5 years of driving experience.

• You have exactly 1 surchargeable incident in your 6-year policy experience period.

• This 1 surchargeable incident is a minor, non-criminal traffic law violation.

• This 1 surchargeable incident has a surcharge date at least 3 years before your policy's effective date.