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The following applies only if your insurance company uses the Safe Driver Insurance Plan (SDIP) as its merit rating plan.

Four parts of coverage on a Massachusetts private passenger auto insurance policy are impacted by the SDIP. The specific coverages are:

  • Part 1: Bodily Injury to Others
  • Part 2: Personal Injury Protection
  • Part 4: Damage to Someone Else's Property
  • Part 7: Collision

A surcharge percentage factor is used to increase the premium on each of these four coverages. For experienced operators, each surcharge point represents a 15% increase in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7) Collision. For inexperienced operators, each surcharge point represents a 7.5% increase in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7) Collision.

Credit code percentage factors are used to decrease the premium on each of these four coverages. For experiences operators with an SDIP rating of 99, a credit code represents a 17% decrease in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7). For inexperienced operators and experienced operators with an SDIP rating of 98, a credit code represents a 7% decrease in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (part 7).

 MA Private Passenger Auto Insurance Percentage Factors for Operator SDIP Ratings 
Category
Name of
Specific Coverage
Surcharge Point Range
01 to 45
Excellent Driver Discount
(98) 
Excellent Driver Discount Plus (99)
   
Experienced
Drivers
Inexperienced
Drivers
Experienced and
Inexperienced Drivers
 Experienced Drivers
 Compulsory Bodily Injury to Others (1)  +15%  +7.5%  -7%  -17%
  Personal Injury Protection (2)  +15%  +7.5%  -7%  -17%
  Damage to Someone Else's Property (4)  +15%  +7.5%  -7%  -17%
Optional Collision (7)  +15%  +7.5%  -7%  -17%

  • An experienced operator has been actively licensed for 6 or more years.
  • An inexperienced operator has been actively licensed for fewer than 6 years.

!! Check with your insurance company or agent to find out more about the merit rating plan your company is using to rate your auto insurance premium.