04/12/2026
One thing people don’t talk about is your insurance score.
We all know about credit scores…
But most people have no idea there’s also something called an insurance score.
Insurance companies use it to help decide:
• your rates
• your risk level
• sometimes even whether they’ll insure you
Here’s the part people don’t realize: It’s not exactly the same as your credit score.
It looks at things like:
• payment history
• outstanding debt
• length of credit history
• how often you apply for new credit
Understanding this alone can save people hundreds a year.