At the beginning of 2006 Massachusetts Division of Insurance converted the Safe Driver Insurance Plan (SDIP) from a step program to a point system. This change makes the system of discounts and surcharges easier to understand and more comparable to what other state have in place. It is also believed that MA drivers will have better control over their car insurance premiums through driving safely.

With the new system if you have an at-fault accident or commit traffic violations, your driving record will accumulate surcharge points. For traffic violations you receive points after being convicted of, or pay a fine for a traffic violation.

With this system, drivers with no at-fault accidents or moving violations will have 0 surcharge points. Drivers with at least 5 years of clean, safe driving will receive a considerable discount on their insurance rate.

Minor traffic violations, such as speeding, according to the schedule of surcharge points are worth 2 points. You asked about a first speeding violation. According to the new SDIP, no surcharge points are assigned to the first non-criminal minor traffic violation in the 5 years immediately preceding the effective date of your policy. Read more about the SDIP at www.mass.gov/doi/Consumer/WaysToSave_SDIP.html.

For auto insurance comparison rates for Massachusetts click here.

Comment Update: I don't understand how you have 99 points, but here is an explanation that may help you:

You are also eligible for the Excellent Driver Discount if you have 5 years of driving experience and exactly one, non-criminal, minor traffic violation that is at least 3 years older than the policy effective date. In addition, drivers with 6 years of driving experience and no surchargeable incidents in the last 6 years will receive the Excellent Driver Discount Plus - lowering their premium on parts 1, 2, 4 and 7 by 17%.

It appears that you would not be eligible for the Excellent Driver Discount until 3 years after your violation, but it is confusing.