The insurance score is a number obtained from consumer reporting agencies. These agencies calculate insurance scores using a selected subset of credit report data that has proven to be predictive of insurance loses. Unlike the broader credit score, the insurance score does not measure a person's ability to pay a loan, although both types of scores may us some data such as payment history, amoutn of outstanding debt and types of credit in use. Rather, the insurance score strongly correlates with the statistical probability that a person will have an insurance loss. The higher your score, the less likely you'll have a loss. the information used by consumer reporting agencies to calculate insurance scores may vary from state to state, as governed by applicalble state and federal laws. For scoring purposes, they may not use race, religion, gender, age, national origin, occupation, marital status, disability, address or other factors considered illegally discriminatory.