You did not mention what state you are from but with the mention of steps we take it you are from Massachusetts and are referring to the Safe Driver Improvement Plan (SDIP) steps. As for January 1, 2006 the step plan has been replaced with a point system. This change makes the system of discounts and surcharges easier to understand and comparable to what is in place in other states.

With the point system if you have at-fault accidents or commit traffic violations, your driving record will accumulate surcharge "points" depending on the nature of the incident. You accumulate surcharge points if you are responsible for an accident or commit a traffic violation.

To find out where you now fall in the new points system you should be able to find out from your insurance agent. If you want more information on the new SDIP contact the MA Division of Insurance or Merit Rating Board's Customer Service Section at 617-351-4400.