Your Insurance Score
Your "insurance score" is a score calculated by LexisNexis that helps insurance companies predict losses. It's a minor factor in calculating your premium, but it does matter. Your insurance score is different than your "credit score" and obtaining it does not affect your credit.
Your Prior Claims Report
The other personal report that affects your premium is your prior claims report. Like the name implies, this report simply states how many claims you've had, what kind of claims they were, and when they were placed.
Your claims history can affect the price you pay for insurance, so it's very important to talk to your agent before you file a claim, so that you can understand how it may affect you in the future.
As well, some insurance companies will not underwrite a policy if you have had certain kinds of claims in the past.
Get More Information
If you are interested in your insurance or prior claims reports, you can visit LexisNexis.com for more information.