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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
Our Team
Gregory P. Howes, CPCU, AAI
President & Owner
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)Created a multi-faceted business plan that grew insurance premiums from $600,000 in 1993 to more than $3 million in 2009....Read More
Scott Sutter, Licensed Broker
V.P. of Commercial Insurance
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...Read More
Erik Lindquist, AAI, AIS
Personal Lines Client Relationship Manager
Erik joined The Howes Insurance Group in 2008 after working for The Travelers Insurance Company as a Claim Representative. Erik serves as our Personal Lines Client Relationship Manager. He is responsible for understanding the needs of each and every client and to ensure that they receive our concierge service. Erik recently earned the designation or Accredited Adviser in Insurance from the Insurance Institute of America...Read More
Pam Browning, CIC, CISR
Office Manager
Pam, our Office Manager, entered the insurance business after working for more than 10 years in the equine industry. Pam has close to 20 years experience in the insurance industry and she holds the Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR) industry designations. Pam competitively races kayaks and canoes. She lives in Harvard with her boyfriend and horses...Read More
Missy Olsen
Administrative Assistant
Missy, our Administrative Assistant, utilizes her organizational and communication skills to help The Howes Insurance Group deploy our Insurance Concierge initiative. Missy brings a diverse and valuable background from the private equity and advertising industries. A graduate of Denison University, she has worked as a Media Buyer, Securities Coordinator and most recently as an entrepreneur, owning an antiques retail store. Missy lives in Concord with her husband and three children.
Meg Howes
Social Media Director
Meg is the Social Media Director for Howes Insurance Group. A Skidmore College graduate, Meg was in the publishing field before becoming a full-time mother. Meg is a licensed riding instructor and coaches the Concord Equestrian Team when she is not working in public relations for HIG or coordinating the busy lives of the three Howes children.
