Where can I buy or otherwise get my own credit-based insurance score?

[RobEvans]

I want to know my credit-based auto insurance score. However I am coming to suspect it's impossible for an individual to find their actual insurance score anywhere.

 

The "Equifax Inflection" score?

Or the LexisNexis Attract Auto 5.0 score?

or the "FICO Insurance Score?"

 

Does anyone know which of these is the most widely used and if/where it is possible for an individual to get this score for themselves?

[centex]

Have you asked your current carrier?

 

I don't recall if there was any score option available the last time I got a CLUE report...but that would be another place to check. 

 

However, as with Fair Isaac credit models, a score is only useful if it is the same model being used in the underwriting for which you are seeking something.

[RobEvans]

3 hours ago, centex said:

Have you asked your current carrier?

 

I don't recall if there was any score option available the last time I got a CLUE report...but that would be another place to check. 

 

However, as with Fair Isaac credit models, a score is only useful if it is the same model being used in the underwriting for which you are seeking something.

I've asked my current insurer (Amica) and they absolutely refuse to give me the score they received, or even to tell me which specific insurance score they use in setting premiums (other than saying the score comes from Equifax. Not sure if that means it's a score generated off an Equifax report or a score actually sold by Equifax)

Edited May 18, 2021 by RobEvans

[cashnocredit]

Insurance scores derived from credit reports are not regulated by the FCRA. Different states may regulate this and some states, such as Calif., prohibit credit scores for auto insurance.

[RobEvans]

Does anyone know which specific credit-based insurance score product is most widely used in the auto insurance industry for setting premiums?

[tmcgill]

I don't think there is a single source or CRA. Agents and brokers have told me that scoring is a combo report using several factors, depending on the insurer. Data is merged based on several factors: FICO, age, driving history, claims experience, zip code, etc., all merged from Lexis, one of the big three, C.L.U.E or other specialty CRAs.

 

 

 

Edited June 18, 2021 by tmcgill