A: An insurance score is a numerical rating that helps providers know how much of a risk you’ll be to protect. These scores are used in both the home, life and auto insurance industries (and their calculations are pretty much the same). They’re calculated by taking into account your credit score, credit history and insurance claim history. A lower score means you’re less of a risk in the eyes of insurance providers, and therefore you’ll likely receive a lower premium (and vice versa). To learn more about your insurance score, please visit our Learning Center.