SAFE DRIVER INSURANCE PLAN, HOW IS MY STEP CALCULATED?
Your SDIP step is calculated using a starting Step of 15, and your driving record during the policy Experience Period. Beginning at the neutral Step 15, and Surcharge Points for any Surchargeable Incident and subtract a Credit Point for each incident-free year or driving. The result is your SDIP Step. Each accident or violation remains on your record for six years from the surcharge date.