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. (Go to Premium Adjustment Chart for Inexperienced Operators if you have been actively licensed for fewer than 6 years.)

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).

* An experienced operator has been actively licensed for 6 years.

* An experienced operator with a clean driving record is eligible for the Excellent Driver Discount Plus.

EXPERIENCED OPERATORS


Compulsory Coverage


Optional Coverage


Part


Part


1

2

3

4


5

6

7

8

9

10

11

12

SDIP
Rating

Credit Factors represent a percentage decrease to the
premium of the 4 coverages.

98

-7.0%

-7.0%


-7.0%




-7.0%






99

-17.0%

-17.0%


-17.0%




-17.0%







No Credit or Surcharge Factors at 00 Operator Points

00

0.0

0.0


0.0




0.0







Surcharge Factors Each surcharge point represents a
15 percent increase to the premium of the 4 coverages.

01

+15%

+15%


+15%




+15%






02

+30%

+30%


+30%




+30%






03

+45%

+45%


+45%




+45%






04

+60%

+60%


+60%




+60%






05

+75%

+75%


+75%




+75%






06

+90%

+90%


+90%




+90%






07

+105%

+105%


+105%




+105%






08

+120%

+120%


+120%




+120%






09

+135%

+135%


+135%




+135%






10

+150%

+150%


+150%




+150%






11

+165%

+165%


+165%




+165%






12

+180%

+180%


+180%




+180%






13

+195%

+195%


+195%




+195%






14

+210%

+210%


+210%




+210%






15

+225%

+225%


+225%




+225%






16

+240%

+240%


+240%




+240%






17

+255%

+255%


+255%




+255%






18

+270%

+270%


+270%




+270%






19

+285%

+285%


+285%




+285%






20

+300%

+300%


+300%




+300%






21

+315%

+315%


+315%




+315%






22

+330%

+330%


+330%




+330%






23

+345%

+345%


+345%




+345%






24

+360%

+360%


+360%




+360%






25

+375%

+375%


+375%




+375%






26

+390%

+390%


+390%




+390%






27

+405%

+405%


+405%




+405%






28

+420%

+420%


+420%




+420%






29

+435%

+435%


+435%




+435%






30

+450%

+450%


+450%




+450%






31

+465%

+465%


+465%




+465%






32

+480%

+480%


+480%




+480%






33

+495%

+495%


+495%




+495%






34

+510%

+510%


+510%




+510%






35

+525%

+525%


+525%




+525%






36

+540%

+540%


+540%




+540%






37

+555%

+555%


+555%




+555%






38

+570%

+570%


+570%




+570%






39

+585%

+585%


+585%




+585%






40

+600%

+600%


+600%




+600%






41

+615%

+615%


+615%




+615%






42

+630%

+630%


+630%




+630%






43

+645%

+645%


+645%




+645%






44

+660%

+660%


+660%




+660%






45

+675%

+675%


+675%




+675%