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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
Auto Insurance
Auto Insurance – What insurance company & product is right for you?
- Good Student discount
- Child at college discount
- Pay in full discount
- Multiple vehicle discount
- Account Credit
- Low Mileage Discount
- Accident Forgiveness – waives surcharges for one at-fault accident
- New Car Replacement Guard – pays value of new vehicle if total loss accident occurs within one year or 15,000 miles, whichever is sooner
- Loan/Lease Gap coverage
- Customized equipment coverage
- Deductible Dividend – automatically reduce collision deductible by $100 each year you drive without a chargeable accident
- Driver Skills Development. In Control Advanced Driver Training School discount
- Tenure Discount – receive a discount for being with prior insurance carrier
- Driving Years Discount
- Enrollment Credit
- Worldwide coverage Available
- Agreed Value coverage available
