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SDIP Points Merit Rating Points 99, 98, & 00 Merit Rating

SDIP Points 99 meaning? Well, that means your a “perfect driver in Massachusetts” (unless you have not-at-fault accidents, comp claims, or hit-and-runs” we can still help you find lower rates and better coverage for your auto insurance even if you have some of these, unfortunately, incidents on your record.

Premier Shield Insurance agency is the best at helping quality, good, clean drivers in Massachusetts Excellent Driver Discount Plus (99) 6-year credit find the best savings on homeowners and auto insurance.

Drivers with 99 SDIP Points enjoy up to 37% savings when they pay in full for auto and bundle homeowners insurance. (SDIIP Points 99 meaning=HUGE SAVINGS ON CAR INSURANCE)

Premier Shield Insurance offers Massachusetts drivers Auto Insurance Premium Comparisons, Cheap Car Insurance in Massachusetts for New Homeowners, and the best price when you don’t have car insurance

Premier Shield Insurance works hard and strives to be the best “Insurance Agency for Step 99 Driver in Massachusetts

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What is the Safe Driver Insurance Plan (SDIP) and Why You Should Care?

The SDIP “Points System” was designed to create “accountability for insurance” in the state of Massachusetts.

The SDIP points system was designed to reward good drivers through an advanced system of credits and “Insurance surcharges” for good and bad drivers alike.

Why is this important? Why should you “care about your driving record” and how many claims and points you have? Why should you work hard daily to be a good and safe driver on the Massachusetts roadways?

The reason is pretty simple. You probably can’t afford not to and having too many points in Massachusetts. It can absolutely ruin your life (financially) and the ability to get around. I’ve seen people who finance cars paying over $700 a month! We’ve unfortunately seen it happen “too many times”.

“Insurance is something you want to have a lot of and never use!”

Brian Plain Co-Founder

Massachusetts Insurance Terminology can be cumbersome. This page is for Premier Shield Insurance posts related to the meaning of a “99 Driver” or “SDIP Points 99“. Save money and request SDIP points 99 quotes. SDIP is a “Massachusetts specific” insurance acronym which stands for Safe Driver Insurance Plan.

“What is my SDIP Score?” is a frequency asked question, it’s typically asked by newly licensed drivers or drivers who are new to the Massachusetts auto insurance system.

What does SDIP 99 mean?

The SDIP Points 99 Meaning? It basically means in the eyes of the state of Massachusetts you are a perfect driver. Most insurance companies are involved in the state’s Safe Driver Insurance Plan (SDIP) which was designed as an incentive for Massachusetts drivers to have a clean record.

What are SDIP points?

In Mass, Driver License points is commonly referred to as (SDIP). SDIP stands for The Safe Driver Insurance Plan. The SDIP program established through state law and it is designed to safe driving providing consumers with lower auto insurance premium incentives for drivers.

Basically, the drivers who do not cause accidents or commit traffic violations will receive the biggest insurance discount. SDIP surcharges required that for drivers classified as high-risk. These drivers pay a greater share of insurance costs because they create the majority of insurance losses.

How much extra is my insurance premium going to go up for a ticket or accident surcharge in Massachusetts?

Great question! The answer is “whatever it goes up” sometimes Insurance companies can raise prices and that coupled with an accident can spell disaster for you. I had a homeowner with a bundled auto and home insurance that saw his policy go up 2.5k a year for 1 ticket. It’s because he carried 250,000/500,000 for optional bodily injury, 2 young and high-risk drivers.

Sometimes a ticket or an accident will change your “Insurance Tier” with the carrier. You could drop from “Preferred” to “Standard” or from standard to “Non-Standard” (4 SDIP points or more).

These changes in tiering for Insurance can create “difficult insurance situations” also known as “really expensive car insurance”. New drivers and young professionals, specifically in a major/high-risk Massachusetts city like BostonFraminghamSpringfield, and Worcester are the most “at-risk” demographic.

Fortunately for you, the Car Insurance experts at Premier Shield Insurance will help you get out of this messy Insurance situation.

We have over 20 years of experience helping people from all walks of life and we haven’t slowed down.

We honestly love helping homeowners in Massachusetts deal with their Mass car insurance policy situation.

The first step when it comes to helping others with their Massachusetts Personal Automobile insurance policy is sharing our education and experience.

Don’t do anything with “buying a new or used car in Massachusetts” without first speaking to a Premier Shield agent. We give tell you “straight-up” if what you’re looking to do is a good idea or a bad idea based on your budget.

It’s 2020 and the cost and price for car insurance in the state of Massachusetts are (and will, continue to) rise due to the rising inflation of healthcare (bodily injury) labor & car parts, and maybe insurance companies may also want to make money.

SDIP vs Claims

You can be a “perfect driver” in Massachusetts but have high rates due to high claims activity. Many Massachusetts insurance companies are starting to catch on though and change their insurance pricing models to reflect that. This means you will be subjected to higher rates if you: file glass claims, you’re involved in not-at-fault accidents, you file “other comprehensive losses” (Theft, fire, vandalism, hitting an animal), potholes, and hit and runs.

Glass Claims

Glass claims in Massachusetts can be prevalent and systemic. I literally just had to file a glass claim myself on 12/09/2019. You want to avoid filing more than 2 glass claims in a 5 year period.

If you are considered a Merit Board 99 and you get a ticket you then go to a 00 Point Driver.

How much extra is my insurance premium going to go up for a ticket or accident surcharge in Massachusetts?

Great question! The answer is “whatever it goes up” sometimes Insurance companies can raise prices and that coupled with an accident can spell disaster for you. I had a homeowner with a bundled auto and home insurance that saw his policy go up 2.5k a year for 1 ticket. It’s because he carried 250,000/500,000 for optional bodily injury, 2 young and high risk drivers.

Sometimes a ticket or an accident will change your “Insurance Tier” with the carrier. You could drop from “preferred” to standard or from standard to “non-standard.

These changes in tiering for Insurance can create “difficult insurance situations” also know as “really expensive car insurance”. New drivers and young professionals, specifically in a major/high-risk Massachusetts city like Boston, Framingham, Springfield, and Worcester are the most “at-risk” demographic.

Fortunately for you, the car insurance experts at Premier Shield Insurance will help you get out of any messy insurance situation.

We have over 20 years of experience helping people from all walks of life and we haven’t slowed down.

We honestly love helping homeowners in Massachusetts deal with their Mass car insurance policy situation.

The first step when it comes to helping others with their Massachusetts Personal Automobile insurance policy is sharing our education and experience.

Don’t do anything regarding”buying a new or used car in Massachusetts” without first speaking to an agent at Premier Shield 1-774-847-7746. We give tell you “straight-up” if what you’re looking to do is a good idea or a bad idea based on your budget.

It’s 2020 and the cost and price for car insurance in the state of Massachusetts are (and will, continue to) rise due to the rising inflation of healthcare (bodily injury) labor & car parts, and maybe insurance companies may also want to make money.

How many points is too many?

The people who ask type this question are probably paying over $300 a month and could easily be paying well over $500 a month for car insurance in and around Boston.

The truth is 45. That’s the highest point total under the system. From what I’ve seen over my 6+ years is 24 points is insanely high and most “terrible drivers in Massachusetts” are taken off the road by choice or by force or market prices.

If you have 4 or more SDIP points you may find yourself in a situation where it’s difficult to find the quality insurance coverage that is also “affordable”.

There is a reason why your policy is really high, you’re a bad driver and you are a bad financial risk to the state of Mass and it’s Insurance companies.

Merit Rating Points 99

Massachusetts residents with “merit rating points 99” or “SDIP Points 99” you are in the best situation to “pay the lowest price for car insurance” in Massachusetts. Bad things that aren’t your fault (glass claims, not-at-fault, hit & runs) can still happen to good drivers ed-hrvatski.com. If you have GEICO, Liberty Mutual, Travelers, Safety, AMICA, or Arbella you can still experience a significant rate change and still be considered “a perfect driver in Massachusetts”

Merit Rating Points 98

Massachusetts drivers with “merit rating points 98” or “SDIP Points 98” you are in the 2nd best situation to “pay the lowest less car insurance” in Massachusetts. Even though you’re a step 98, just like a “Perfect Driver” who’s a 99 you can still have hit & runs, glass claims, and not-at-fault accidents. If you have Arbella, Commerce, GEICO, Progressive, Metlife, or Liberty you can still experience a significant rate change and still be considered “a good driver in Massachusetts”

SDIP Insurance Companies in Massachusetts

Many of these companies use a “blended pricing” model or “hybrid model” for car insurance prices, rates, and premiums including glass claims, not-at-fault accidents, and hit and runs. If you have one of the below insurance companies in MA give us a call 1-774-847-7746 to find a lower rate or request a new car insurance quote online!

Perfect Driver SDIP 99, Good Driver SDIP 99, and New Driver SDIP 00 Insurance Quotes in MA

If you’re a “Step 99,98, or 00 SDIP Driver” we’ll be able to find you lower prices for your car insurance in Massachusetts.

Let our expert agents help you find better prices by helping you compare prices from multiple insurance companies. Request a quote for your vehicle below or give us a call today!

Homeowners insurance is also available and customers who bundle home and auto insurance may be able to save up to 37% on their combined annual insurance premiums.

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