If you have a positive safety rating on the Safety Rating Scale, it means you're in the Safety Zone. Drivers in the Safety Zone are eligible for a discount on their vehicle insurance.
How it works
- For every year since 1995 that you've driven without an incident, you earn a safety point.
- Each point in the Safety Zone gives you a 2% discount off your vehicle plate insurance, to a maximum of 20%.
- You can earn more than 10 safety points and become a Platinum Customer (see the Safety Rating Scale). The maximum discount remains at 20% but the extra points act as a cushion to help shield you from the effects of an incident as shown in this example of a 2-point cushion in Safety Zone.
- You receive a financial penalty for an incident only if it causes you to lose enough points to move you to the Penalty Zone on the scale. As long as you remain in the Safety Zone, you'll continue to qualify for a discount.
Even if you don't own or lease a vehicle, a positive rating in the Safety Zone is still beneficial to you. It protects you from financial penalties if you're involved in future incidents.
Effective Jan. 1, 2015, in order to receive a discount on your motorcycle plates, the person registering the motorcycle must have a valid M Endorsement. Drivers who enter the Motorcycle Graduated Driver Licensing (MGDL) program after Dec. 31, 2014 will not be eligible for a discount on their motorcycle until they enter the Novice 2 stage of MGDL and take an SGI-approved motorcycle training course or get their full M Endorsement. Refer to the SDR FAQs for the Jan. 1, 2015 changes for further information.
Note: Customers who have acquired a 6 Endorsement or M Endorsement Novice 1 or 2 prior to these program changes coming into effect will continue to be eligible for a Safe Driver Recognition (SDR) discount on any registered motorcycle, unless they are required to re-enter the MGDL program.