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Latest Insurance FAQs
What is the Safe Driver Insurance Plan (SDIP)?
The Safe Driver Insurance Plan (SDIP) is mandated by state law to establish classifications of risks to fairly reflect the driving records of insureds and adjust premiums based in part on at-fault accidents. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts, unlike many comparable jurisdictions that afford no or limited due process rights, provides the right to a hearing before an impartial hearing officer of the Board.
Surcharge points are incurred if you:
- cause an at-fault accident
- are convicted of or pay a fine for a traffic law violation
- are assigned to an alcohol education program
Greg Howes
Greg Howes, the founder and President of The Howes Insurance Group is an experienced leader in business, non-profit, and government organizations. Greg has created and built new companies, organized and led community initiatives and ran successfully for public office.
Business Experience
The Howes Insurance Group (Co-Founder and Owner)
Howes Insurance Group of Concord LLC & Howes Insurance Group of New England LLC
Town of Concord, MA
- Elected, Board of Selectmen (2006-2012), Past Chairman
- Elected, Concord Housing Authority (2003-2006)
- Appointed, Concord Board of Assessors (2000-2003)
- Elected, Board of Corporators, Emerson Hospital (2005-2012)
- Personnel Committee, Trinitarian Congregational Church
- Past-President, Concord Business Partnership
- Elected, Concord Middle School Advisory Council (2005-2007)
- Past-Chairman, Young Insurance Agents Council, Mass. Assoc. of Independent Insurance Agents
- Past-President, Rotary Club of Acton, MA
- Past-President, United Way of Acton/Boxboro, MA
Education
- B.A., Sociology, Providence College, Providence, RI, June 1990
- Professional Insurance Designation, Chartered Property Casualty Underwriter (CPCU), October, 2001
- Professional Insurance Designation, Accredited Adviser in Insurance (AAI), January, 1996
