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Insurance Score

Your insurance-smart choices

Your wise choices help you control many risk characteristics so you can qualify for superior coverage and pricing. For instance, typical choices that affect auto policies include the type of car you own, who drives it and how far, as well as your motor vehicle report. For homeowners insurance, examples include your home’s type of construction and its distance from a fire department, among other factors.

But did you know that your insurance score, in combination with other favorable risk characteristics, could help you qualify for lower premiums?

How is an insurance score determined?

Our carriers purchase insurance scoring services from a consumer reporting agency, and consider your score along with other risk factors that influence your auto and homeowner insurance premiums.

The consumer reporting agency calculates insurance scores using a selected subset of credit report data that has proven to be predictive of insurance losses. Unlike the broader credit score, the insurance score does not measure a person’s ability to repay a loan, although both types of scores may use some data such as payment history, amount 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 applicable 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.

Do you know the score?

For more information about insurance scores and factors that affect them, please go to

The first step to controlling your insurance score is to know what’s on your credit reports. You have the right to obtain one free copy of your personal credit report annually from each major credit bureau. To order, call 877-322-8228 or visit Work directly with the bureaus to correct any inaccuracies. On their websites, you’ll find important information about making wise financial management choices to influence your score.

—Equifax: or 800-685-1111

—Experian: or 888-397-3742

—TransUnion: or 800-888-4213

Well stop wondering and allow us to put these and any other questions you may have to rest. Simply click here to get started!!


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Location Information

W.E. Davis Insurance Agency

29 Frederick Street
Columbus, Ohio 43206

Contact Details

Phone: (614) 443-0533
Fax: 614-444-1201
Hours: Mon - Fri 8:30am - 4:30pm