How the Safe Driver Plan with Massachusetts Car Insurance Works

Need another incentive to drive safely? In Massachusetts, safe driving is encouraged by offering lower Massachusetts car insurance rates through the Safe Driver Insurance Plan (SDIP). State law requires insurers to adopt the program, which assesses motorists’ driving records to help determine the cost of their premiums.

The SDIP operates on a points system, which makes it easy for Massachusetts drivers to understand how their driving affects their insurance premiums. Drivers receive surcharge points if they cause an accident at which they were more than 50 percent at fault, or if they commit a traffic violation.

A major traffic violation such as drink driving will incur five points, a major at-fault accident will get you four points, a minor at-fault accident three points, and a minor traffic violation two points. It can get a bit more complicated if the insurance company’s adjuster deems you to be primarily at fault for an accident for which you believe you are less than fifty per cent responsible. You can take your case to the Board of Appeals if you don’t agree with the assessment. 

The more points you accumulate, the higher your Massachusetts car insurance will be. You will receive a significant discount if you manage five years without incurring a point. In most cases, you will be able to remove surcharge points if you drive without incident for three years. With Oxford Insurance Agency, you can get the coverage you need for your car. Contact us today for more information regarding this coverage!

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