Company
RMV Reminder Service
Receive email, text, & phone alerts that your license, registration & inspection are due for renewal.
Register Now!Contact Us Today
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
Scott
Scott Sutter is the Vice President of Commercial Operations for The Howes Insurance Group. He has been in the insurance industry since 2001, beginning as a marketer for Federated Insurance, a national direct-line underwriter out of the Minnesota. In 2005, Scott furthered his commitment to his clients by becoming an independent agent. This move allowed him to provide greater flexibility and a wider array of specialized coverage for his customers.
Scott became one of the owners of The Howes Insurance Group in 2009, again proving that his commitment to his clients and the insurance industry as a whole is steadfast and expanding.
Scott believes that every business… is a family business. He understands that the quality of life for business owners and their family, as well as their employees and their families, could be dramatically affected should proper insurance coverage not be in-force. In order to prevent such a short-fall, Scott develops an easy to ready, line by line, coverage breakdown that he reviews with his clients twice a year.
This proactive approach is beneficial to the client on multiple levels. First, it ensures that his clients are aware of how their insurance program is working for them. Second, it proves that the premiums are competitive. Lastly, it illustrates how Scott is advocating for the business owner within the insurance marketplace.
Communication is key between a business owner and their insurance agent. Greg Howes, our founder, believes each customer of the agency should receive concierge-style service… where everyone within our agency is charged with the responsibility of exceeding your expectations. Additionally, each of Scott’s customers has access to his email address and cell phone number.
Scott received his B.S. degree from The Citadel; The Military College of South Carolina. He volunteers his time throughout the community, serving on the boards of several charities and town government. He is also active in the Worcester Young Men’s Business Association, the Vermont Fuel Dealers Association, and the Propane Gas Association of New England. Scott and his family reside in Somers, Connecticut.
