SDIP Points Merit Rating Points 99, 98, & 00 Merit Rating

SDIP Points 99 meaning? Well, that means your a “perfect driver in Massachusetts” (unless you have not-at-fault accidents, comp claims, or hit-and-runs” we can still help you find lower rates and better coverage for your auto insurance even if you have some of these, unfortunately, incidents on your record.

The Massachusetts Safe Driver Insurance Plan (SDIP) Guide by Premier Shield Insurance

What is SDIP?

SDIP is the Massachusetts Safe Driver Insurance Plan commonly called or abbreviated as “SDIP”. The old Safe Driver Insurance Plan (SDIP) model sets the specific credits and surcharges that an insurance company may apply to your MA auto insurance premium.

What is SDIP in auto insurance?

One of the most common Massachusetts car insurance-related questions is “What is SDIP in auto insurance?”. The Massachusetts insurance merit rating points system is designed to reward good drivers with “low-cost auto insurance” and punish “high-risk drivers” with higher insurance costs. Learn more about

What does SDIP 99 mean?

Another top FAQ is “What does SDIP 99 mean? An SDIP 99 Driver (Merit Rating Points 99) has at least 6 years of driving experience in Massachusetts and never had any surcharges or violations you have a merit rating of 99. Request an SDIP 99 insurance quote and find lower-cost auto insurance companies in Massachusetts.

How does SDIP work in MA?

New drivers in Massachusetts commonly say “how does SDIP work in MA”. It’s a complex personal automobile insurance rating system we can help you navigate. Call a Premier Shield Insurance agent at 1-774-847-7746 to learn more about how the Safe Driver Insurance Plan works for you.

How long do SDIP points last in Massachusetts?

Surchargable accidents, tickets, and violations in MA will remain on your record (SDIP Points) for 6 years from the conviction or “surcharge date”. Points may be reduced under the “Clean in 3” rule.

What is the best SDIP rating?

The best SDIP rating is “99” reserved for drivers with at least six years of driving experience. The second-best SDIP rated drivers will receive the “98” rating and the Excellent Driver discount. Massachusetts drivers with at least 6 years of clean driving experience will receive a “99” rating and will receive the Excellent Driver Discount Plus which is the best discount available on your MA personal auto insurance policy.

How to successfully appeal a Massachusetts auto insurance (SDIP) surcharge?

Learn more about the process for appealing an SDIP surcharge on the Mass RMV website.

What is a Notice of At-Fault Accident Determination?

In MA if you’re a driver involved in an accident, you may receive a “Notice of At-Fault Accident Determination” if your car insurance company makes the determination that you’re 50% or more at fault AND pay out over $1,000 on the claim AND you fall into one of the “Standard of Fault” categories set forth in Division of Insurance regulation 211 CMR 74.00.

How much is a surcharge in Massachusetts?

Currently, the auto surcharge threshold in Massachusetts makes a Minor At-Fault Accident at between $1,001 3 Points and $5,000 and a Major At-Fault accident above $5,000 at 4 Points. You have the right to appeal any decision about your accident. Accidents outside of the state of Massachusetts may also be subject to a surcharge. If your Massachusetts-insured private passenger auto is involved in an accident outside of the state your insurance & the Mass RMV may receive a notice and notify you.


Premier Shield Insurance Agency’s Guide to “Frequently Asked Questions” about the Massachusetts Safe Driver Insurance Plan (SDIP)

Learn more about how to find lower rates and keep them low for your auto insurance coverage in Massachusetts with the Premier Shield Insurance Agency’s Guide to Frequently Asked ‘SDIP Insurance’ Questions about the Massachusetts Safe Driver Insurance Plan (SDIP). Learn that you’re “MA points will stay on your driving record 6 years from the surcharge date” with most insurance providers and companies.