SDIP 99: What it is and what it means for your rates.
The Safe Driver Insurance Plan (SDIP) gives insurance discounts for great driving.
SDIP 99
Excellent Driver Discount Plus
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 return to 99 after 6 consecutive years of incident-free driving.
SDIP 98
Excellent Driver Discount
A 98 SDIP still gives you a discount. This discount can be applied to your policy if you’re not eligible for the Excellent Driver Discount Plus, but you’ve been licensed for at least 5 years with no surchargeable incidents in the 5 years before your policy’s effective date.
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.
Important to note: Insurance companies in Massachusetts aren’t required to use the SDIP. Some use their own merit rating plans instead, so how your record affects your rate can vary by carrier.
For more information about surchargeable incidents, visit Mass.gov.
Surchargeable incidents on Mass.govWorried about losing the 99?
One speeding ticket. One icy-road mishap. That’s all it takes to lose your 99 for up to six years.
At Nobile, we partner with carriers that offer Accident Forgiveness and Merit Rating Forgiveness endorsements, which can help protect you from long-term surcharges when life happens.
Availability varies by carrier and policy.
Looking for comprehensive, full-coverage car insurance?
Get a free quoteWhat is the SDIP?
The Massachusetts Safe Driver Insurance Plan (SDIP) assigns a point value to your driving record. This system rewards safe drivers with lower insurance rates and applies surcharges to drivers with accidents or traffic violations.
4 insurance coverages on your policy are subject to the SDIP premium adjustment.
Bodily Injury to Others
Part 1, Compulsory Coverage
Personal Injury Protection
Part 2, Compulsory Coverage
Damage to Someone Else’s Property
Part 4, Compulsory Coverage
Collision
Part 7, Optional Coverage
How your points are calculated
Depending on your driving record, you may have a perfect SDIP rating of 99. If you’re found at fault in an accident or ticketed for a traffic offense, surcharge points are added to your driving record, which can raise your insurance premium. The number of points depends on the severity of the accident or violation.
2
points
Minor Traffic Law Violation
3
points
Minor At-Fault Accident
4
points
Major At-Fault Accident
5
points
Major Traffic Law Violation
For more information about how points are assigned to surchargeable incidents, visit Mass.gov.
SDIP and your auto policy on Mass.govReady for a free quote?
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Sourced from Mass.gov | See our disclaimer